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SEN AWARD 12-08-1950SASTRY AWARD 20-04-1953LABOUR APPELLATE TRIBUNAL DECISION 28-04-1954INDL. DISPUTES (BANKING CO) DECISIONAMENDMENT ACT. 1955 25-07-1955INDL. DISPUTES (BANKING CO) DECISION 1955AMENDMENT ACT. 1957 FOR'C' CLASS BANKS 1957GOVT. NOTIFICATION ON D.A. CALCULATION 13-02-1960DESAI AWARD 30-06-19621st BIPARTITE SETTLEMENT 19-10-19662nd BIPARTITE SETTLEMENT 12-10-1970SETTLEMENT ON INTERPRETATIONS 23-07-1971SETTLEMENT ON OTHER ISSUES 08-11-19733rd BIPARTITE SETTLEMENT 01-08-19793rd BIPARTITE SETTLEMENT-B & C CLASS BANKS 22-11-1979SETTLEMENT ON OTHER ISSUES 21-04-1980SETTLEMENT ON COMPUTERS/RESIDUAL ISSUES 08.09.19834th BIPARTITE SETTLEMENT 17-09-1984SETTLEMENT ON 'B' CLASS BANKS 28-02-1985SETTLEMENT ON OTHER ISSUES 05-01-1987SETTLEMENT ON COMPUTERS 29-03-1987SETTLEMENT ON 5TH BPS 23-02-19895th BIPARTITE SETTLEMENT 10-04-1989SETTLEMENT FOR 'B' CLASS BANKS 03-02-1990SUPPLEMENTARY SETTLEMENT 29-06-1990SETTLEMENT FOR 'B' CLASS BANKS 13-10-1990RESIDUAL ISSUES SETTLEMENT 16-07-1991PENSION & COMPUTER SETTLEMENT 29-10-1993MINUTES ON HRA 22-06-19946th BIPARTITE SETTLEMENT 14-02-1995MOU ON RELATIVITY 30-09-1996RELATIVITY SETTLEMENT 14-12-1996SETTLEMENT ON RESUDUAL ISSUES 28-11-19977th BIPARTITE SETTLEMENT 27-03-2000DISCIPLINARY ACTION PROCEDURE 10-04-20028th BIPARTITE SETTLEMENT 02-06-20059th BIPARTITE-SETTLEMENT 27-04-2010PENSION-ONE MORE OPTION 27-04-201010th BIPARTITE SETTLEMENT 25-05-2015
All India Bank Employees Association
ACHIEVEMENTS
60
Internal Settlements betweenFederation of Bank of India Staff Unions and
Management of Bank of India
Date of SettlementContents
1 Sub-Staff to i) Policy 10.04.1985
Clerical-Promotion 20.06.1990
& Supplementary 25.06.1991
Settlements 23.04.1996
ii) Fitment 28.09.1995
21.10.1997
iii) Graduates 10.12.1987
iv) One time 25.01.1991
Promotion 08.01.1996
2 Clerical to Officers i) Policy 05.05.1989
Promotion & 18.02.1993
Supplementary 17.04.1993
Settlements ii) Fitment 08.02.1993
21.10.1997
3 Selection procedure 03.06.1988
For Head Cashier “E” 25.01.1990
& its Supplementary 03.02.1990
07.07.1994
18.09.1995
23.04.1996
09.12.1999
4 Selection Procedure for Data 24.03.1988
Entry operator & Supplementary 12.01.1989
5 Selection Procedure CTO 09.05.1994
29.09.1998
Duties Single Window 03.01.1995
19.05.1999
Modification 28.04.2005
16.12.2008
61
Date of SettlementContents
6 Selection procedure for 24.07.1987
AELPM operator & Supplimentary 16.12.1988
7 Spl. Asstt. Selection procedure 03.07.1992
& their dates & Supplementry 29.04.1993
Spl. Asstt. to Officer 1 time promotion 26.09.1999
8 M.O.U. for Double Shift, 7 days
Banking & Exlended Business Hours. 17.08.1999
9 Conversion of Part- Time Sweepers 17.08.1999
10 Cashier category II - settlement 21.02.2007
Modification 21.03.2008
24.03.2011
Head cashier II - Conversion of
category C 05.05.2011
11 Sub-staff Promotion 21.02.2007
12 Special Asst. (One time settlement) 21.05.2007
13 Fittment on Sub-staff Promotion 24.01.2008
14 MOU on Part Time Safai Karmachari 16.12.2008
15 Clerical to Officer Promotion 20.03.2010
19.04.2011
16 One time special Promotion for 30.04.2010
Sub-staff to clerical cadre
17 Fitment Formula from substaff to clerk 17.11.2017
18 Fitment Formula from clerk to officer 17.11.2017
19 SWO-B Settlement 17.11.2017
20 Promotion from sub-staff to clerk 17.11.2017
62
SERVICE CONDITIONS OF AWARD STAFF
1. Basic Pay Scales ( w.e.f. 1-11-2012) : Including stagnation increments
As per 10th Bipartite Settlement.
Clerical Staff :
11765 – 655 – 815 – 980 – 1145 – 2120 – 1310 – 31540 – 1310 - 42020
3 3 4 7 1 1 8
Substaff :
9560 – 325 – 410 – 490 – 570 – 655 – 18545 - 655 - 23785
4 5 4 3 3 8
Stagnation Increaments: Rs. 32850- 42020
2. Stagnation Increments :
Clerical : 8 stagnation Increments of Rs.1310 each 5 increments once in 3 years and rest increments once in 2 yearsSubstaff : 8 Stagnation Increments of Rs. 655 eachAll stagnation increments once in 2 yearsAdditional 8th Stagnation Increment : Those already in receipt of 7stagnation increments shall be eligible for the 8th stagnation increment on1-5-2015 or 2 years after receiving the 7th stagnation increment, whicheveris later.5th to 6th Stagnation Increment : Period reduced to 2 years ( 3 yearsunder 9th BPS) : An employee who has completed 2 years or more afterreceiving 5th stagnation increment shall receive the 6th stagnation incrementas on 1st May 2015.
NEW PROVISION : In case where the non-subordinate employee as on thedate of this Settlement, has already acquired JAIIB (Part-I) or CAIIB (Part-II)/Graduation after reaching maximum of the scale of Pay (in case of JAIIB/
CAIIB/ Graduation) or after reaching 19th stage of scale of Pay (in case of
CAIIB/Graduation), and has not earned increment(s), otherwise entitled onaccount of acquiring such qualification, when there were no increments toprovide in the scale of pay of those employees, the stagnation incrementin such cases may be advanced by one year or two years as the casemay be.
63
3. Dearness Allowance:
0.10% of pay on every rise or fall of 4 points over 4440 points inQuartelyAverage of Working Class Consumer price Index ( General) Base 1960=100.DA is also payble on Special Allowance (New)
4. House Rent Allowance:
Places - 45 Lacs & above 10 %
Places – 12 to 45 lacs + Goa 9 %
Places – 5 to 12 lacs + capitals of States/UT 7.5 %
Other places 7.5 %
5. Special Allowance ( New) :
For clerks, substaff and part time employees
On Basic Pay including Stagnation Increment: 7.75 %
D.A. shall be paid on this Special Allowance
This Special allowance shall not count for superannuation benefits
6. Professional Qualification Pay/Graduation Pay (PQP) :
1 year after reaching 20th stage 410
2 years after reaching 20th stage 800
3 years after reaching 20th stage 1210
4 years after reaching 20th stage 1620
5 years after reaching 20th stage 2010
7. Fixed Personal Pay ( FPP ) : Clerks
(i) Places with population of more than 45 lakhs 1585
(ii) population of 12 lakhs and above including State of Goa 1570
(iii) Population of 5 lakhs and above, Capitals of States, UTs 1550 &
Other places not covered in above( Increment component is Rs.1310/-)
Sub-Staffs
(i)Population of more than 45 lakhs 790
(ii)Population of 12 lakhs and above including State of Goa 790
(iii)Population of 5 lakhs and above, Capitals of States, UTs 780
& Other places not covered in above.(Increment comonent is Rs.655/-)
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8. Annual Medical Aid
Rs.2200/- per annum on declaration basis.
9. Split Duty Allowance : Rs. 150 per month10. Transport Allowance:Clerks and substaff - Upto 15th stage 425Clerks and substaff -16th stage and above 470Upto 15 years service 425Above 15 years service 470Note: Substaff drawing Rs. 470 on being promoted as clerk will continue toget Rs. 470 even if fitted at below 16th stage.11. Definition of Pay for DA and HRA : Basic Pay, Stagnation increments,PQP, Special Pay, Offg. Pay12. Definition of Pay for Superannuation Benefits : Basic Pay, Stagnationincrements , PQP, Special Pay, Offg. Pay, Increment portion of FPP.13. SPECIAL PAY :
Clerical StaffSingle Window Operator 820Head Cashier 1280Special Assistant 1930
Subordinate StaffBill Collector/Armed Guard 390Daftary 560Head Peon 740AC Plant Helper/Electrician 2040
Driver 2370
14. PASSING POWER
Special Assistant: Cash cheque Passing Up to Rs.35,000 independently
Clg / Transfers Upt o Rs. 150,000 Independently
Head Cashier E (II): Clg / Transfers Up to Rs. 50,000 Independently
Cash Vouchers Upt o Rs. 50,000 jointly
SWO - B : Passsing And Paying Cash Up to Rs. 20,000 Independently,
Passing Clg / Transfers/ Receipts : Rs. 25,000, independently,
SWO - A :Passsing and Paying cash up to Rs. 10,000 independently,
Passing Clg/Transfers/Receipts Rs. 15,000 independently,
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15. Halting Allownaces
Clerks Sub - Staff
12 Lakhs & above & Goa Rs.700 Rs.500
5 Lakhs & above & State capitals Rs.600 Rs.400
Other Places Rs.450 Rs.250
16. Washing Allowance: Rs. 150 per month
17. Cycle Allowance : Rs. 100 per month
18. Project Area Compensatory Allowance
Project Area Group ‘A’ Project Area Group ‘B’
Clerical Staff – Rs.250/-p.m. Clerical Staff – Rs.200/- p.m.
Sub-Staff - Rs.200/- p.m. Sub-Staff - Rs.175/- p.m.
19. Definition of ‘family’
Employees’ wife/husband
Unmarried children including step children and legally adopted children
physically and mentally challenged brother/ sister
widowed daughters and divorced/ separated daughters, sisters includingunmarried/ divorced/ abandoned or separated from husband/ widowed
sisters,& parents
Wholly dependent family member shall mean such member of the family
having a monthly income not exceeding Rs.10,000/- p.m
20. Hill & Fuel Allowance:
At places situated at a height of
3000 metresand above : 8% of pay (Max. Rs.1500/-p.m.)
At places situated at a height of &
over 1500mtrs but below 3000 mtrs : 4% of pay (Max. Rs.600/-p.m.)
At places situated at a height of over
1000 metres but less than 1500 mtrs
and Mercara Town : 3% of pay (Max. Rs.500/-p.m.)
( XI BIPARTITE SETTLEMENT DUE FROM 01.11.2017)
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GRATUITY w.e.f 24-04-20101. In terms of section 4(5) of the Payment of Gratuity Act. 1972, Gratuity
calculated under Act (max. 20 lakhs) or Gratuity calculated under BPSprovision - whichever is higher is payable.
2. For those who have retired from 24-04-2010 Gratuity will be recalculatedboth ways & arrears/difference, if any, will be paid to them.
GENERAL1. Payable on superannuation retirement, voluntary retirement, resignationafter
10 years of service, death of the employee, incapacitation, termination ofservice,
2. service of 6 months and above will be reckoned as one year.3. 26 days is construed as a month.4. BP & all other allowances qualifying for PF & incremental portion of FPP are
eligible for gratuity.5. Gratuity cannot be forfeited under any circumstances except in case of
dismissal where Bank has incurred loss due to misconduct of the employee.
PENSION Superannuation Pension is granted to an employee who has put in minimum ten
years of service.
Maximum service counted for full pension is 33 years.
Pension on VRS (Pension Regulation 29) is granted after 20 yrs of active service,additional 5 yrs. notional service is added to the qualifying service provided itdoes not take beyond the date of superannuation.
Gratuity Amount under the Act Gratuity amount under BPS
x 15 Days xNo. of years of servicePay+DA26
Pay x No. of years service
i. One month pay for one year of serviceii. Max. 15 months Pay upto 30 years service.iii. Above 30 years, half month pay per year of service.
Max. Rs. 20 lakhs
(PAY CONSTITUTE BP+SPECIAL PAYRANKING FOR PF+ INCREMENTALPORTION OF FPP)
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Basic pension calculated on the average of last ten months basic pay. FPA,PQA & Special Pay Formula -
Pension for part time employees shall be calculated on actual yearsof service and not pro rata w.e.f. 1st November 2012
D. A. is paid on basic pension, which is revised in Feb. & Aug. every year.
Commuted Pension (1/3rd of B.P.) is restored after 15 years from date ofcommutation.
Age on
Date of Commutation
Age on
Next Birth Date
Commutation
Factor
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
15.64
15.40
15.15
14.90
14.64
14.37
14.10
13.82
13.54
13.25
12.95
12.66
12.35
12.05
11.73
11.42
11.10
10.78
10.46
10.13
09.81
09.48
Basic Pension = -------------------------------------------x No. of years active service BP+FPP+ PQP+Spl. Pay2 x 33 years (maxium 33years)
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Calculation of Pension & Commutation
* Take average of last 10 months Basic + FPP + PQP + SPLPay
* Divide above by 2 to arrive at Basic Pension.
* Above Basic Pension is available provided an employee
has completed 33 years of service including 5 years
notional service (i.e. 28 years of service.) In case of service
lesser than 33 years then Basic Pension to be on prorata
basis.
* Basic Pension divide by 3 = commutable pension.
* Commutable pension X12 X commuting age factor (See
Chart) = Commutation amount.
* Calculate DA on the entire basic pension correspondingto date of retirement by applicable DA rates.
* Basic Pension - Commutable Pension + DA on BP= TotalPension receivable.
Please Note :
* Commuted pension is restored after 15 years from the dateof commutation.
* Pension Scheme detail Cir. No. - Br.Cir.No. 89/123 dt.01.11.95
* As per clause 22 of Pension Scheme 1995 Pension optees
can apply for V.R.S. under Pension Provision after 20 yrs. of
service by giving 3 months notice in advance & exit-interview
as per IOM No. HO/HR/TR/MKG/1442 dt. 01.08.2011. This will
be treated as “Retirement” & not “Resignation”.
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DEFINED CONTRIBUTORY PENSION SCHEMES
Those who have joined / joining the Bank on and from
01.04.2010 will be governed by the New Defined Contributory Pension
Scheme.
Features of New Pension Scheme: Effective from 01.01.2010
There will be two tiers of contribution i.e. Tier I and Tier II Contribution to Tier I is compulsory and under Tier II is
optional Under Tier I employees will contribute 10% of Pay plus DA Bank will make matching contribution For Tier II contributions, there will be no matching contribution
by the Bank Tier I contribution will be kept in Non- Refundable Account Tier II contribution will be kept in a separate account and are
withdrawable at the option of the employee There will be no separate PF account or the contribution by the
employees The Account will be maintained by Central Record Keeping
Agency The contributions will be managed by Pension Fund Managers PFRDA- Pension Fund Regulatory and Development Authority
will regulate the scheme. On retirement at the age of 60, it would be mandatory to invest
40% of the contributions in Pension Annuity and 60% can betaken as cash. Employee can invest more than 40% inPension Annuity.
For those who retire / exit service before the age of 60 years,80% of the contributions shall be invested in Pension Annuity.
Each employee will be given a Permanent Pension AccountNumber (PPAN) Permanent Retirement Account Number(PRAN)
Pension Fund Manager will offer three options to employees toinvest their contributions according to their choice.
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Employees will have the choice to invest the contributions inEquity or in Corporate Sector or in Government Sector.
Maximum Permissible Limit for investments:
In Equity - 50% of Contribution
In Corporate Sector - 100% of Contribution
In Government Sector- 100% of Contribution Employees can choose any mixture of investment upto above
ceilings. If employees does not give his choice, Fund Manager will
invest the contribution under Auto Choice Method. Even Under Auto Choice Method, investment in equity will not
exceed 50% of the contribution. Employee will have the choice to choose the Fund Manager
and the investment pattern. Employee has the right to change the Fund Manager annually. Employee has also the choice to change the investment
pattern between investment in equity, in corporate sector andin Government Sector looking to the returns on investment andperceived risks in investment.
Contribution to Tier I is non-withdrawable during service butTier II contribution can be withdrawn at his option.
Pension based on Annuity purchased will be payable forlifetime of the employee / dependent parents / spouse.
Pension Fund Managers (PFMs) will be the same asappointed by Pension Fund Regulatory and DevelopmentAuthority (PFRDA) for NPS introduced for Central Governmentemployees. Presently three Pension Fund Managers havebeen appointed viz:
i) LIC Pension Fund Limitedii) SBI Pension Fund Limitediii) UTI Retirement Solutions Limited
Each of the PFMs will invest the Funds in the proportion of85% in fixed income instruments and 15% in equity and equitylinked mutual funds.
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Board of Directors of our Bank in their meeting held on08.12.2012 has approved the name of SBI Pension Fund Ltd.as PFM for management of the funds of the employee of ourBank, as per the guidelines of PFRDA. (Ref. Branch CircularNo.- 107/19 dated 10.04.2013.
CHECK LIST FOR NPS1. KYC documents submitted by the employees should be self
attested and also to be attested by the branch officials with word“ Verified with originals” with officer Code, designation and branchseal.
2. All the documents should be as per the list attached with the CSRFform. Other than the documents listed in the form will not beacceptable to NSDL.
3. In page no.4 & 5 of CSRF form, branch has to fill up the “Applicableto Corporate Subscribers only” column and verify .Otherwise NSDLwill return the form.In page no.3 ‘ DECLARATION OF FATCA’, even it is ‘NO’ , thenalso put it in section-I,One has to enter Country ( INDIA) and Local Address in section -II
4. If the nominee is more than one person than Annexure-III to CSRFForm to be filled up.
5. Address proof should be in the name of subscriber. If the permanentaddress and correspondence Address is different, proof of boththe addresses is required to be submitted . However, subscribercan submit certificate issued by the Branch Manager as Addressproof if no other address proof is available with her/him.
6. Form should be filled in by CAPITAL Letters and by BLACK Ink only.7. Stamp/Signature/Staple is not allowed on photograph.8. All verification/ attestation should be made by Branch Officials with
Officer Code, designation & Branch Seal.NSDL is rejecting forms for not complying with above norms. Pleaseensure all the points before submitting to Head Office for generationof PRAN.For more information visit : http://www.npscra.nsdl.co.in
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FAMILY PENSIONFamily Pension is calculated on the last pay drawn by thedeceased employee.
a) In case of an employee who dies after completion of 7 yrs.
Service, higher family pension equal to 50% of pay last drawn
by deceased employee or twice the ordinary rate & family
pension whichever is less is payable.
b) In the event of the death of an employees after retirement
before attaining age 65 years family pension is payable at
twice the ordinary rate of family pension or @ 50% of pay last
drawn by the employee at the time retirement, which ever is
less. The max period for which higher family pension will be
payable is 7 years or till the deceased employee would have
attained 65 yrs. Of age if it occurs earlier.
c) In case of death of an employee & spouse, minor children areeligible for family pension upto age of 25 yrs.
Scale of Payper month
Amount of monthly family pension
UptoRs. 7090
Rs. 7091 toRs. 14180
AboveRs. 14181
30% of the 'Pay' shall be the basic family pension plus 30% ofallowances which are counted for making contributions to P.F.but not for D.A. shall be the additional family pension. Theaggregate of basic and additional family pension shall not be
less than Rs. 1,779 per month.
20% of the 'pay' shall be basic family pension plus 20% ofallowances which are counted for making contributions to P.F.but not for D.A. shall be the additional family pension shall notbe less than Rs. 2186 per month.
15% of the 'pay' shall be the basic family pension plus 15% ofallowances which are counted for making contributions to P.F.but not for the D.A. shall be the additional family pension. Theaggregate of basic and additional family pension shall not beless than Rs. 2841 p.m. and more than Rs. 5930 p.m.
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OTHER PROVISIONS
01. Compensation to employees injured in robberies/Terrorist Attacks
(Ref Br. Cir No. 106/100 dt. 20.09.2012)i. In case of death : The family of the deceased will get -a) Monetary Compensation Clerk / Sub-staff - Rs. 10 lakhsb) Education expenses upto Graduation will be borne by Bankii. Employees who actively resist bank robberies and terrorist attacks will
get. a) A cash reward not exceeding Rs.2,00,000/- and out of turn promotion b)Those who are injured in the above act will get all the expenses for treatment ofinjury including hospitalization.
02. BOI Staff Benevolent scheme : Ref : 87/183 20.11.93
Every member should contribute Rs. 5/- in the event of the death of a member of thescheme .Amt. Rs.1,75,000/- so collected will be given to the legal heirs of thedeceased. After retirement employee need not contribute Rs. 5/-but will enjoy thebenefit up to 70years.All new staffs are automatically enrolled in the scheme.
03. Salary Advance for festival : Ref : HO. Cir. 103/88 dt. 18/08/2009(Modified) -Eligibility is nearest thousand of 1 month's Basic Pay subject to min Rs.8000/- &Rs.6000/- to Clerks & Sub-staff respectively.It will be recovered by ten (10) monthlyequated instalments.
04. Small family incentives : Ref : 81/168 Dt. 23.6.87
Employees who undergo sterilisation operation for promoting small family normsare sanctioned ex-gratia Medical Aid.
a) For Vasectomy operation : Rs. 150/- and 6 days Special Leave
b) For Tubectomy : Rs. 350/- and 14 days special Leave
Incentive : Rs. 1500/- and Special leave of 7 days to male employee to take careof patient in case of "b" above.
It is to be noted that employee will get above benefits if the age of Male is within 45years and for Female 40 years with Minimum one child and Max. 3 childrencriteria .
05. Maintenance of staff service records & Supply thereof to Employee :
Ref : 81/303 dt. 3.11.87/PRO/PERS/NBD/54 dt. 22.9.98. CCC decided that Brancheshave to provide to all employees their service particulars/records by end of Januaryevery year, giving details of leave.
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06. Milestone Award : (HO/P/IR/RS/1-1694 Dt. 18/02/06 - Br Cir.
95/45 dt.11.07.2001) After completion of 25 years of unblemished service Milestone Awardis given by Bank In form of a Silver Medal / Memento(170 gms)
i) Milestone award can be released even in case of disciplinary action viz minorpenalty (censure/warning)
ii) In case of major penalty award can be released only after the rigor of punishmentis over.
iii) Award can be released with recommendation of the Branch and application of theemployee not required.
iv) Ex. Servicemen with 25 years of combined service in Armed forces & Bank canbe considered for award. At the time of retirement such case may be referred toH.O. PERS Dept.
07. Resignation : 1 months notice or 1 months pay in lieu of notice.
15 days notice if within probation period.
08. Retirement age : For Award staff the retirement age is 60 years .If the employeehas joined on the first date of the month; he will retire on the last day of the previousmonth.Otherwise retirement date irrespective of joining date is last day of the themonth in which the employee completes 60 years of age.
09. Incentive Scheme for Award Staff : Br. Circular No. 100/172 dt. 25.01.07 &102/58 dt. 03.07.08 & 102/66 dt. 12.07.08
10. Education Benefit Scheme : 1st std. to +2 Post Graduation & Diploma & Govt.reco. Courses Rs. 1700 & Rs.2800 for clerk & officer. For Sub staff Rs. 2200/- forone child if more than one Max Rs. 3300/- for two children. (Subject to Change inAmt. & norms, if any by HO Welfare Committee, every year.)
11. Computer courses/Management Courses to staff / reimbursement of fee : Ref.87/1 Dt. 1.4.93, 90/145 Dt. 30.11.96 & Br. 96/173 Dt. 27.3.2003
i) All confirmed employees are eligible to undergo computer courses ii) Prior permissionfrom higher authority is required. iii) After Successful completion of coursereimbursement of fees Rs. 2500 (Max.) is made for computer course. For otherCourses Pl. refer above circular. iv) Sub-staff are also eligible for computer coursesRef. 97/115 Dt. 17.11.2003.
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12. Prevention of Sexual harassment : Prevention of Sexual harassment inwork places and Procedure for setting up complaint cells and complaintcommittees. Ref. Br. Cir. No. 92/53 Dt. 06.07.98.
13. Reimbursement of travelling & out of pocket Exp. To employees deputed totraining college : Ref. 104/137 dt. 25.01.2011
Particulars of Trainee Residential Training ProgrammeLocal Traineees Rs.75/- P.D at Mumbai,Delhi etc
Rs.65/- P.D at other centresUp-country trainees Same as aboveFor upcountry employees 2 days halting allowance as per B/P settlement over &above their travelling expenses.
Compensation on Transfer :BY TRAIN
An employee on transfer shall be paid the cost actually incurred for transportinghis personal effects
Sub-staff ClerksFor married staff 2000 kg 3000 kgFor unmarried staff 1150 kg 2000 kg
BY ROAD.Actual expenses will be reimbursed by road by an IBA approved Transport Operator.Compensation for losses due to breakage of damage to goods on transfer
Clerk Sub Staff.With receipts Rs. 1500/- Rs. 1000/-Without receipt Rs. 1000/- Rs. 750/-
Loading / Unloading charges & packing charges extra. 14. Preferential Rate of Int. on Deposits : 1% extra int. rate on deposits
available to employee / ex-employee. Additional 0.5% benefit will be given toex-staff members who are Senior Citizens. (Br. Cir. No. 102/27 dt. 07.05.08).For SDV also, concession on rentals is available. 102/20 dt. 25/04/08.Incase of joint A/c, Staff name should appear first & Declaration that moneybelongs to staff required.Staff resigned can not avail this facility.
15. Briefcase/Attachee : Head Cashier II, Agricultural assistant and SpecialAssistant will be reimbursed cost of one Briefcase in 5 years Max Cost Rs.1000/-Ref.104/137 dt.25.01.2011
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16. Holding of charge of Branch by Spl. Assistant : As per provision of Clause 29of 8th BP settlement - The charge of Branch if so desired by the AdministrativeOffice can be held by Spl. Asstt in Single Man Branch ONLY.If during the monthholding of Charge exceeds 7 days (not necessary continuous 7 days) is eligiblefor Officiating Allowance. (Ref. PZO/PRS/NVS/43 dt.08.08.98)
17. Farewell Scheme to retired employee : Rs. 500/- may be spent for organizingfunction & additionally Rs. 25/-per Employee in Branch for arranging Tea/Coffee/snacks etc can be a l lowed to spent by debit ingP/L misc. (HO/97/145 dt. 06.01.04 & 1-106 dt.14.05.2011).The farewell functionshould be organized on the last date of his/her service. With the approval of theemployee, his/her spouse should also be invited. Arrangements should be madeto drop the retiree employee and his/her spouse at their residence, preferablyaccompanied by Head of the Branch/Office/Department. The felicitation should bedone by handing over the memento given by our ZO and a certificate appreciatinghis/her service to the bank. The certificate can be laminated/framed at the Bank'scost.. Now it is coming rom HO. Format is gien below.
CERTIFICATE OF APPRECIATION
Dear Shri _____________________________________________________
On behalf of all staff members of Bank of India, I place on record our most sincereappreciation for the dedicated services rendered by you, during your tenure withthe Bank from ____________ to_________ and bid you farewell on your retirement.
2.We wish you and your family all happiness, and also hope that you will be able tocarry your post-retirement plans in the years to come.
With warm greetings
Your Sincerely
(Designation)
18. No Professional Tax can be deducted for Physically HandicappedEmployee.
19. Voluntary Provident Fund Contribution (Ref. HO/TBDR/RLB/975-31.12.01)Voluntary P/F contribution can be started / stopped / modified only from April everyyear. At the time of wage revision / arrears paid month, one can avail this facility -(1) Request for VPF is to be made first week of March. (2) Request can be madeafter probation period within one month - but before 15 days earlier from salarydate.
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20. Permission to employee for visiting abroad : Pl. refer HO/0141/139 dt.20.11.2000 & 96/114 dt. 08.11.02,2006-07/10 Dated 31.01.2007.2007-08/1Dated 08.06.2007.
21. Inconvenience Allowance for Branches working 8 a.m. to 8 p.m. Ref -Administrative Circular No. 2006/2007 dt. 12.04.06. For Service Branches- Ref : 100/194-Personnel/2006/07/16-HO-P-IR-RS- Dtd. 05/03/07 & Br. Cir. No.102/136-HO/HR/IR/VGK-12 dt. 03/11/08 regarding increase in reimbursement ofceiling limit. Rs. 60/- for Clerks and Rs. 30/- for sub-staffs on daily basis.
22. Facility for Holiday Homes to VRS- 2000 & retired Staff Ref. HO/P/IR/703 dt.11.09.06. This facility is available to VRS 2000 and retired staff.
23. Employee motivation scheme to award staff Ref. 98/116 13.09.04 regardingBank Business mobilization.
24. Reimbursement of expenses incurred by Award Staff for Health Check-up.All permanent staff members of 35 years & above can claim reimbursementof expenses for Health check up at Metro centre upto Rs.3500/- & in other centresupto Rs.3000/- only once in two years.(Ref.HO:HR:IR:MSS:06 DT 11.10.2017)
25. Health Check-up Safai Karmachari : Safai Karmachari below 35 years age,after completion of 1year are eligible for health check-up of Rs. 450/-( 200 generalcheckup + 250 for chest X-Ray) & Rs.250/- where Bank’s Doctor is avilable.
26. Reimbursement of entertainment expenses to Special Assistants BC No.105/22dt.05/05/.2011-Rs.280/- per month is payable to Special Assistants.
27. Reimbursement of news paper expenses incurred by Award Staff BR. CRNo. 106/83 dt.03.09.2012. Rs.225/- for Clerks and Rs. 175/- for sub-staffs permonth is reimbursable on quarterly basis.
28. Bonus Payment - Ref. HO/HR/IR/KVVSP/16 dt. 18.08.09 (103/89). Bonus paymentis made to those whose salary is wi th in the l imit o fRs. 21,000/- (Subject to change as per the Govt. guideline)
29. CLEANING MATERIAL : payable on quarterly basis.B.C No.106/83 dt.03.09.2012
Clerical Staff Rs. 425 /- per month
Sub Staff Rs. 300/- per month
78
30. Facilities Available to Sub-Staff :
UNIFORMS
MALE EMPLOYEES :HO:HR:IR:MSS:1-185 DT. 21.07.2015 effective from January 2017
to Dec 2018.
1) Summer Suit : 3 Sets in Terrycot/Khadi- Once in 2 years at Rs.1400/- per set
including Stitiching charges .
2) Winter Suit : Blue Suit -once in 3 years- Max cost Rs.3800/- including Stitching
charges .
3) Shoes : One pair of shoe and 2 pairs of socks- Maximum cost Rs.1300/- every
year.
FEMALE EMPLOYEES
SUMMER : 4 White sarees with blue borders & Blouse once in 2 years
WINTER : One Sweater once in three years.
Female Sub-staff be supplied with Uniforms at the same cost (cost of cloth + stiching
charges) at par with total cost applicable to male Sub- Staff.All other existing guide-
lines regarding periodicity,number of sets of uniform,etc remain unchained.Even
Salwar, Kameez and Blue Dupatta/Odhani can considered in lieu of Saree & Blouse-
Ref- I-370:B-21 dt. 11.08.2011
Chappal : One pair of Chappal - Maximum cost Rs.1300/- every year.
Raincoat/Umbrella : Raincoat (Max cost Rs.600/-)once in every four years or One
Umbrella (Max cost Rs.300/-) once in Two years.
FOR SAFAI KARMACHARI :
A) Rubber Hand gloves - one pair per month -Rs.80/-per pair
B) Apron - once in a year-Rs. 200/-
C) Washing Allowance for Apron- Rs.10/- per month
D) 4 Nos of Mask Rs.80/-(Rs.20/-per Mask)
31.REIMBURSEMENT OF PETROL COST ON DECLARATION :
QUANTUM : Sub Staff -3 ltrs , Clerks-6 ltrs, Special Asst.- 8 ltrs per month
For those having NO VEHICLE, fixed amount per month will be reimbursed on
quarterly basis.
Sub Staff Rs.200/- ,Clerks Rs.400/-, Spl.Asst Rs.500/- per month
(HO:HR:IR:MSS:02/dt.14.07.2015)
79
32. Payment of Conveyance allowance to Blind/Orthopedically handi-capped Employees:
Conveyance Allowance to Blind and Orthopaedically Handicapped employees (OfficersandAward Staff) @ 5% of Basic Pay, subject to maximum of Rs.400/- per month w.e.f.
18.02.2009. The said allowance is to be paid in addition to regular transport allowance interms of the provisions of Bipartite Settlement.(Ref. No. Head Office Branch CircularNo.103/7 dated 15.04.2009 & HO/HR/IR/MSS/04 DT.28.06.2014)
33. Reimbursement of charges for collecting key of branch premise fromresidence of Officer/ManagerReimbursement for collecting keys from the residence of officer / Manager of the branchfor cleaning purpose to the Full Time Safai Karmachari - cum- Sepoy would be made onactual basis or mutualy agreed in ZCC.For Urban & Ruaral Branches, It is Rs.625/- &Rs.500/- respectively in our State.
34. Grant of two additional increments to Sub-staff for PassingH.S.C.Examination
H.S.C. Board taking the examination should be recognized one by the concerned StateGovernment / Board and should have recognition of the Department of Education of theconcerned State.In other words, the sub-staff who are working in the states which haverecognized the H.S.C. examination only are eligible and the sub-staff who are working inthe states which have not recognized the said examination are not eligible for the saidadditional increments.(Ref. No.- Head Office IOM No. P:IR:CMR:C2-61:1177 DATED01.22.2001 )
35. HOURS OF WORK
14.2 of First Bipartite Settlement dt.19.10.1966 & As per 10th Bipartite Settlementdt.25.05.2015.Second & Fourth Saturday of the month are declared asHoliday.Other saturday will remain open for fullday & working hours as of Weekdays.
Workmen other than members of thesubordinate staff (excluding category below) 6.30
Godown – keepers engaged solely for that workother than those required to remain in 8attendance at the bank during office hours
Members of the subordinate staff other than 7Drivers and Watch and Ward Staff
Drivers and Armed Guards 7.30
HOURS PER DAY
80
Matrix of Transactions :
RemarksType oftransactions
Designation/ Work class
ProposedTransactionrights
Transactions
Single Teller/cash upto Rs. 10,000/- DE & PO Includes tallying of Signature
Window payment Above Rs. 10,000/- DE Payment over the limit after the
“A” work Instrument is passed and posted by
class 1 10 Supervisory official
Cash/receipt Upto Rs. 15,000/- DE & PO
Above Rs. 15,000/- DE Transaction to be posted/verified
immediately by supervisory official
Clearing Upto Rs. 15,000/- DE & PO Includes tallying of signature
and transfer
Above Rs. 15,000/- DE
Single Teller/cash Upto Rs. 20,000/- DE & PO Includes tallying of Signature
Window payment Above Rs. 20,000/- DE Payment over the limit after the
“B” work Instrument is passed and posted by
class 1 30
Cash/receipt Upto Rs. 25,000/- DE & PO Includes tallying of signature
Above Rs. 25,000/- DE Transaction to be posted/verified
immediately by supervisory official
Clearing Upto Rs. 25,000/- DE & PO Includes tallying of signature
and transfer
Above Rs. 25,000/- DE
Head Cashier Teller/cash Above Rs. 20,000/- DE & PO Includes tallying of Signature
II Work Class payment Above Rs. 20,000/- DE Payment over the limit after the
200 & 250 Instrument is passed and posted by
Head Cashier Supervisory official
Cash/receipt Upto Rs. 20,000/- DE & PO
Above Rs. 20,000/- DE Transaction to be posted/verified
immediately by supervisory official
Clearing Upto Rs. 50,000/- DE & PO Includes tallying of signature
and transfer Above Rs. 50,000/- DE
Special Cash Upto Rs. 35,000/- PO/VO
Assistant- payment
Work Class Cash Upto Rs. 35,000/- PO/VO
300 receipt
Clearing Upto Rs. 150,000/- PO/VO Includes tallying of signature
/
and transfer Above Rs. 150,00/- DE
81
DO’S & DON’TS FOR PASSWORD
( Ref No. Head Office Branch Circular.No.- 102/141 dated15.11.2008) effective from 01.12.2008 are as under:
CREATION OF PASSWORD
1. The length of the Password will be minimum 8 characters andmaximum 14 characters.
2. The Password should consist of minimum one alphabet andone numeral and one special character ( say $, * etc)
3. System would maintain a history of the passwords and wouldnot allow the user to re-use past 2 passwords.
4. In case of 3 failed login attempts the system will lock the UserAccount. Authority to undelete the same is allowed to users ofthe work class 600 and above only.
5. The system will enforce the user to change his / her passwordson first login creation of user / reset by the Authority
6. The system will delete the User-id not used for a continuousperiod of 30 days
7. The application will force the user to change password every15 days
PASSWORD PROTECTION
a. User should not share their passwords with any one includingcolleagues and IT staff
b. User should ensure that nobody is watching when they areentering password in the system
c. User should not keep a written copy ( in paper or electronicform) of passwords in easily locatable places
d. User should change their password regularly
82
e. User should report to the Branch Manager or SystemAdministrator if account is locked out before 3 bad attempts
f. User should choose passwords that are easy to remember butdifficult to guess
g. All User-Ids created should be recorded and acknowledged in aUser-id register to be maintained by the branch
h. Whenever the user proceeds on leave, he / she should get hisher User-id suspended to prevent fraudulent use. The user canget it reactivated upon his / her return from leave.
WORK CLASS LEVELS
(1) SWO (A) : 110 (2) SWO (B) : 130
(3) HEAD CASHIER II : 200
(4) SPECIAL ASISTANT : 300
NEW WORK CLASS IN FINACLE IN RURAL –
SEMI URBAN BRANCHES
It has been decided to create a New Group A with work class 250 as‘Rural Branch cashier’ at the single officer Rural and Semi-UrbanBranches The work class 250 includes work class 110 and 130 areCTOs and work class 200 is CTO with Head cashier designation.The following additional menus will be made available to the workclass 250.
1. HUPM Resetting of password required in case same is blocked
2 EFM To assign the work class of head teller to another teller
during leave etc.
3. DDC for canceling a Demand Draft
4. RMTDS for remitting TDS deducted
5. RFTDS for refund to TDS in TDR
(Ref. No.: Head Office Brfanch Circular NO : 103/1 Dated 02.04.2009)
83
DETECTION AND REPORTING OFCOUNTERFEIT NOTES REVISED
PROCEDURE, COMPENSATION AND PENALTIES
Procedure for detection of counterfeit notes at banks
Detection of counterfeit notes, at banks, should be at the
back office / Currency chest only.Bank notes when tendered over the
counter may be checked for arithmetical accuracy and other deficiencies
like whether there are mutilated notes, and appropriate credit passed on
to the depositor / account or value in exchange given.
Thereafter the notes should be passed over to the back
office / currency chest, as the case may be, for detailed verification
and authentication through machines .The notes categorized as
suspect during machine processing should be subject to manual
verification for checking their authenticity.
The notes identified as counterfeit should be kept separately
with proper impounding stamp in the prescribed format.(Annex-I).
Details of each impounded note should be recorded under
authentication in a separate register.There will not be any
requirement to issue acknowledgement to the tenderer.
In the cases of detection of up to four pieces of counterfeit notes,
in a single transaction,consolidated monthly statement should be sent
to the Nodal Police Station through the Nodal Officer of the bank.
In case of detection of five or more pieces,FIR in the
prescribed format should be lodged.Banks should monitor thepatterns / trends of such detection and suspicious trends /patternsshould be brought to the notice of RBI / police authoritiesimmediately. The reporting procedure to the Regional Offices ofRBI in the prescribed format will remain unchanged.(Ref. No.- RBICircular No. -RBI/2012-13/562DCM (FNVD) No. 5840/16.01.05/2012-13 dated 27.06.2013 as explained in Annex)
84
STRENGTHENING OF SECURITY ARRANGEMENTS
Security Precautions for Cash in Transit:As per extantinstructions, following security precautions are to be followed forcash intransit :
Cash Van : Cash can be transported in Bank’s own or hired cashvan which should be duly modified as per Bank’s necessary securityrequirement like cash cage with grill gate, hook and chain for chaining thecash boxes, alarm system, GPS. The Cash Vans are generally beingfabricated on Mahindra Bolero / Tata Sumo Vehicle.
Shadow Van: In case the amount to be transported exceeds Rs.3.00crore , an additional vehicle with at least one Armed Guard shouldbe used as “shadow Van”. This shadow vehicle should follow thecash van. No remittance should exceed the insurance limit.
Cash Escort : The cash is required to be escorted by Armed guards,preferably Bank’s own guards.(Upto 20 Lakhs -No Armguard/ above20 Lakhs- One Arm Guard/ Above 50 lakhs- Two ArmGuards)Remittance should be accompanied by Guard where everavailable. These guards should be equipped with 12 Bore PumpAction Guns or at least12 Bore DBBL Guns. The guards whileescorting should keep their guns loaded with safety catch on. Whileone Armed Guard should sit next to the Driver and the second guardshould sit behind the driver.
Cashier: Mobile phone provided on hired cash van should be withthe cashier, so that he is in communication with the currency chestand the branches. The Cashier and staff should have the telephonenumbers of all branches and police stations enroute, so that thesecan be contacted immediately in case of any emergency.
Driver: The vendor of hired cash van should submit the policeverification report in respect of driver provided on the cash van. Alldrivers should be holding valid driving license.Necessary documentsrelated to cash van should be up-to-date and be available in theVehicle.(Ref. No. Head Office Circular Letter No.- 2012-13/99dt.20.07.2012 Cir.No.HO/2015 -16dt.30.07.2015/BR.109/99dt.27.07.2015, IOM:SD/AK/2017-18/1824-1877 dt. 26-02-2018)
85
BANK’S SOCIAL MEDIA POLICYRef: HO/RM/2018-19/06-19 dt. 10.04.2018DON’Ts OF SOCIAL MEDIA: No employee of the bank should not use / respond / comment on social
media channel through internet, smart phone during office hours. No employee shall write/ express anything in any internet site or
social media that may damage the reputation of the Bank or anyof its employees.
No employee shall post/ express any remarks/ views in any internetsite or social media which may defamatory to the Bank or officialsor its employees.
No employee shall disclose any information about any employeeor customer of the Bank including their personal details on anyinternet site or social media.
No employee should criticize the management of the Bank or thebusiness processes or strategies of the Bank or policies of theBank on any internet site or social media.
No employee shall without express authority, use the name of theBank of India or BOI while expressing any views.
If any employee of the Bank is creating any social network profilehe/she should create such profile in his/her real name.
No employee of the Bank shall establish / form /promote/ becomea member of any group/ community/ on any internet Socialnetworking sites which uses the name and logo of the Bank, unlesssuch is expressly created or permitted by the Bank.
DON’T’ disrespectful or insult the thoughts and opinion of others. SPAM-Do not post random comment on line in large numbers. Do not turn into Social Media Stalker- Take time and weigh each
word before posting on line. No employee shall canvass for any donation, lottery or third party
marketing / business promotional activities/ affairs in internet siteor social media.
DOs OF SOCIAL MEDIA: Staff are required to maintain Confidentiality / Secrecy, Integrity
and availability of Bank’s information assets / ComputingResources.
Engage and create positive content. Think before posting and commenting.
86
L E A V E
SickCasual
1. Calculation 12 days in 1 day for 30 days for
a calender 11 days each completed
year. One of active year of service
day for every Service. Plus after
completed Fraction 25 years, 30
month in can be taken days per year
1 st year of as full day Max. 90 days
Service of P/L.
2. Availability Not more than 4 Max. 4 occasions On Medical
days per in a year & should ground
occassion. be applied not less supported by
Total absence than 15 days Certificate
exceeding any before the proposed
No. of days date of
allowed commencement
of such Leave.
3. Emoluments Full Full HPHA (Optional)
4. Accumulation Balance 270 days 540 days + 90
Converted (w.e.f. days (HPHA)
into UCL 01.06.2015) OR 215 days
(Stick Leave) (FPFA) in
without limit. entire service
5. Prefix and Allowed with Allowed NA
Suffix of Prior
Holidays Sanction
6. On Will lapse Balance of P/L can Will lapse
Retirement be encashed
(Superannua Max. 240 days
tion- voluntary) (Month = 30 days)
Gross salary
(including transport
allowance) × No. of
Months.
7. On Death/ Will lapse Legal Heir Will lapse
Cessation of will get
Service encashment
balance P/L
8. Resignation Will lapse 50% of Bal Will lapse
Max. 120 days
Particulars Privilege
87
FOOTNOTES (Leave)
1. Leave will be credited on 1st January every year (Calendar Year).
2. Maternity Leave 12 months during entire service subject to :
a. Max 6 months for one occasion. Max-60 days leave for Hysterectomy.
b. Available for miscarriage / abortion / MTP within the overall 12 monthsperiod.
c. Legal Adoption for only 1 child who is below one year- 6 months Max.Leave is applicable to all female employees.
d. The leave shall also be available to biological mother in case ofsurrogacy.
3. Paternity leave can be availed by Male employee for 15 days during hiswife’s confinement.It can be combined with other Leave except CL & canbe availed before or upto 6 months from child birth.
4. Spl. Leave : Spl. C/L for blood donation, curfew, family planning etc. can beavailed. Ref. IBA Circular No. PD/Cir/76/II (V) 2101 dt. 07.01.91. (Br. Cir. 84/51 dt. 31.05.90 and Br. 85/140 dt. 02.09.1991 & 102/49 dt. 19.06.08)
4. S/L and UCL can be availed without Medical Certificate for Max. 10 days ina year after all C/L availed . Such leave can be availed for Max. 3 days peroccasion.
5. UCL Can also be availed Max. 4 days at a time without Medical Certificateirrespective of balance of C/L once a year or 2 days at a time twice a year.(Xbipartite.)
6. Special Sick Leave upto 30 days(full salary & over above normal entitlement)will be allowed for donation of Kidney/any other organ.
7. Sabbatical Leave : Discontinued for male employee. But female employeewith minimum 5years of service can avail this facility under BOISLF schemefor minimium period not less than 3 months and maximum 2 years. Leaveshould be pre-sanctioned and cancellation is not allowed. B.C No.106/20dt.25.04.2012.
88
8. Spl. Leave in case of injuries on duty - Fully reimbursed with Medical Cost& Treatment / Hospitalisation over & above of Normal entitlement.
9. For Calculation of S/L. Pl. refer latest Circular No. H/O P/IR CMR/518-B-4dt. 12.07.02.
10. Calculation of P/L take active service only (excluding leave availed i.e. P/L,S/L, Spl/L., EoL, Strike.) Prorate P/L & S/L can be granted for genuinereason sanction - Z.M. (Cir. No. 80/172-P/IR/MMD-86/18 dt. 27/06/86).
11. P/L Encashment on resignation 50% of Balance or 120 days Max. (whichever is less) Branch Cir. 95/16 Dt. 18.05.01.
12. Additional Sick Leave will be credited after completion of 25 yrs. Of service,on the joining date of the employee every year for 3 yrs. Maximum (i.e. 90days H.P.H.A, which can be availed as F.P.F.A.)
13. Joining time on transfer for award staff : PZO/PERS/SBK/173 Dt. 20.11.99
i) Transfer within same town or station not more than one day (inclusive ofholiday and Sunday)
ii)Joining time not exceeding six days are allowed to an employee and tobe availed with in 6 months from the date of reporting. Joining time shouldbe availed at one stretch only. Joining time shall not be available if thetransfer is effected at the request of the employee.
You may see the emergence of a new political partyfrom the body of the trade union movement whichrepresents a very clear-cut socialist alternative policyand which gives expression to the views of the tradeunion movement in parliament.
- Arthur Scargill
89
SCHEME FOR COMPASSIONATE APPOINTMENT
After sustain struggle by AIBEA,Scheme is restored again.It willbe immensly helpful to families of those died in harness.
COVERAGE: To a dependant family member of a permanentemployee who 1) dies while in service & 2) is retired on medicalgrounds due to incapatiation before reaching 55 years of age w.e.f05.08.2014.
DEPENDENT FAMILY MEMBER: a)Spouse, or b)Wholly dependentunmarried/married son, or c) Wholly dependent unmarried daughteror d) wholly dependent brother or sister in case of unmarriedemployee.
COMPETENT AUTHORITY FOR APPOINTMENT: Chairman/Managing Director/Board of Directors
POSTS: The appointment shall be only in Clerical & Sub-staff cadreas per provisions of the relevant Recruitment Rules.
ELIGIBILITY & OTHER PROVISIONS:
a) Family is in acute financial destitution
b) Applicant should fulfill all provisions of relevant Recruitment Rules.
c) Upper Age can be relaxed but not minimum age limit of 18 years.
d) Application can be considered upto 5 years from date of death.
e) Cases of missing employees of more than 2years are alsoincluded in scheme.
f) The person eligible for compassionate appointment shallgive a undertaking that he/she will maintain properly theother family members. In case he/she fails to do so, theappointment may be terminated forthwith.
g) Compassionate appointment shall be sympathetically consideredmore for erstwhile Sub-staff died or resigned on medical ground.
HO.CIR/HR&IR/2014-15-15/532/476 dt. 11.08.2014
Ministry of finance DOF No. 18/2/2013-IR dt. 07.08.2014
90
BENEFITS TO NOMINEE / LEGAL HEIROF THE DECEASED EMPLOYEE
(WHO DIES IN HARNESS)
1) Rs. 1,25,000/- is to be paid immediately after death of the
employee to the spouse/Dependant by the Branch Under
Death Relief Scheme.(HO:HR:IR:SD/11 dt.12.02.2014)
2) if the Employee was a member staff Benevolent Scheme
Rs. 1,75,000/- (Max. at Present)to be received.
3) Rs. 50,000/- under Group Link Insurance Scheme (GSLIS)
of the Bank
4) Provident Fund Contribution upto date of death plus Bank's
contribution if he opted for CPF. And own contribution only
if he opted for pension.
5) Gratuity will be paid as per Bipartite Settlement or As per
Gratuity Act (Max-20 lacs) whichever is more. No Income
tax will be deducted.
6) Pension under Family pension scheme will be paid If
Deceased em ployee had opted for Pension. No
Commutation of pension will be allowed.
7) Encashment of P/L - Balance of P/L to his credit on date of
death, Max. 240 days allowed. No Income tax will be
deducted.
8) Scheme for appointment on Compassionate ground to
dependent w.e.f 05.08.2014.Married dependant son also
elligible under the Scheme.
9) All the above mentioned claims to be sent to Zonal Officethrough the Branch.
91
LIST OF PAPERS TO BE SUBMITTED TO GENERAL MANAGER TERMINALBENEFITS DEPT. HEAD OFFICE - ON RETIREMENT (RETIREMENTBENEFITS)/DEATH
Following Papers are to be submitted before retirement
1. Provident fund Application -
Claim application by Employee
a) Own Contribution only for Pension optees.
b) Own + Bank's Contribution for PF optees
2. Gratuity Claim -
Calculation Sheet as per Claim Under -
i) Bipartite Settlement
ii) Payment of Gratuity Act 1972
3. Pension Application -
i) Pensioner's profile
ii) Service Particulars of Employee (Pensioner)
iii) Nomination for pension / Commutation
iv) Commutation of pension
4. Family Pension Application -List of papers required -
A) Covering Letter from Branch
B) Request Application for Family Pension
C) Family Pension Profile
D) Worksheet For Family Pension
E) Death Certificate Duly Attested
F) Two Latest Passport Size Photo of the Applicant
G) Other format required if any.
5. G.S.L.I. Deposit Portion with Interest.
6. BOI retd. Employees medical assistance scheme/Insurance linkedHospitalisation Scheme as per Xth Bipartite Settlement (Optional).
Membership form should be submitted within 6 months from retirement.
7. Silver Plate with Bank Name & Logo (Approx weight. 250 gms.)
(No need to submit paper / application)
/
92
MEDIBUDDY LATEST POLICY DETAILS
MASTER INSUERER : UNITED INDIA INSURANCE CO LTD.
POLICY NO. : 5001002818P109894428
PERIOD OF COVERAGE : 01-10-2018 TO 30-09-2019
FOR SERVING EMPLOYEES.
REIMBURSEMENT AMOUNT: MAX Rs.3 LAKHS.
TPA : MEDI ASSIST INSURANCE TPA PVT. LTD.
Tower D, 4th Floor,IBC Knowledge Park,
4/1, Bannerghatta, Main Road, Bengaluru,
Karnataka Pin. 560029
Toll Free No : 1800 425 9449
E-mail Address: [email protected]
Website : www.medybuddy.in
Contact person in Odisha :
Sambit Satpathy Ph.9337007954
PROCEDURE FOR CLAIM
A) All staff members should update the details of their family
members/dependants in HRMS module.Any addition & deletion
data should also be carried out promptly so that there is no
mismatch betwween HRMS and TPA data.
B) Employee id ( P.F No.) prefixed by word BOI will be the login id
and date of birth will be the passord for login in the website of
TPA.(Example- login Id- BOI189301 / password- 11June95 ).
C) All claims- Hospitalisation/ Domiciliary - shall be submitted by
the employees in the prescribed claim Form through Zonal Office
within 7 days.
93
EMPLOYEE POLICY CONDITIONS
• Family Definition : Employee + Spouse + Dependent Children +
2 dependent Parents /in laws • No age limit for dependent children.
Would be considered dependent if their monthly income does
not exceed Rs. 10,000/- Widowed daughter and dependent
divorced / separated daughters, sisters including unmarried /
divorced / abandoned or separated from husband/ widowed
sisters and crippled child shall be considered as dependent for
the purpose of this policy. Physically challenged Brother / Sister
with 40% or more disability. Subject that there individual monthly
income does not exceed Rs. 10,000. • No Age Limits for
Dependent Parents. Either Dependent Parents or In-laws will be
covered. A parent would be considered dependent if their monthly
income does not exceed Rs. 10,000/-
• New Joinee’s : All New Employees to be covered from the date
of joining as per their appointment letter. For additions /deletions
during policy period, premium to be charged /refunded on pro
rata basis. Additional pro-rata premium would be collected on
promotion for increase in Sum Insured.
• Geographical Limits : Treatment taken in India Only.
• Continuity Benefits : Continuity benefits coverage to employees
on retirement till the end of the policy period provided there is no
request for refund of the premium.
• 1. Revision in Room Rent Limit to Rs. 4,000/-
• 2. All bills / receipts for purchase of medicine upon which a claim
is made shall bear the valid GST No. of the issuer of such bills,
receipts, etc.
• Please note that the condition 2 is applicable for both
94
hospitalisation and Domiciliary (OPD) claims.
• 3. Intensive Care Unit (ICU) expenses not exceeding Rs. 7500
per day or actual amount whichever is less.
• 4. Surgeon, team of surgeons, Assistant surgeon, Anesthetist,
Medical Practitioner, Consultants, Specialists Fees.
• 5. Nursing Charges , Service Charges, IV Administration Charges,
Nebulization Charges, RMO charges ,Anaesthetic, Blood,
Oxygen, Operation Theatre Charges, surgical appliances, OT
consumables, Medicines & Drugs, Dialysis, Chemotherapy,
Radiotherapy, Cost of Artificial Limbs, cost of prosthetic devices
implanted during surgical procedure like pacemaker, Defibrillator
Ventilator, orthopaedic implants, Cochlear Implant, any other
implant, Intra-Occular Lenses, , infra cardiac valve replacements,
vascular stents, any other valve replacement, laboratory/
diagnostic tests, X-ray CT Scan, MRI, any other scan, scopies
and such similar expenses that are medically necessary, or
incurred during hospitalization as per the advice of the attending
doctor,
• 6. Hospitalization expenses (excluding cost of organ) incurred
on donor in respect of organ transplant to the insured.
• 7. Pre and Post Hospitalization expenses payable in respect of
each hospitalization shall be the actual expenses incurred subject
to 30 days prior to hospitalization and 90 days after discharge.
• 8. HOSPITAL / NURSING HOME: A Hospital means any institution
established for in-patient care and day care treatment of illness
and/or injuries and which has been registered as a Hospital with
the local authorities under the Clinical establishments
(Registration and Regulation) Act, 2010 or under the enactments
specified under the Schedule of Section 56(1) of the said Act
95
OR complies with all minimum criteria as under :
• -Has qualified nursing staff under its employment round the clock.
- Has at least 10 in-patient beds in towns having a population of
less than 10 lacs and at least 15 in-patient beds in all other places;
- Has qualified medical practitioner(s) in charge round the clock;
- Has a fully equipped Operation Theatre of its own where surgical
procedures are carried out; - Maintains daily records of patients
and makes these accessible to the insurance company’s
authorized personnel.
• The term ‘ Hospital / Nursing Home ‘ shall not include an
establishment which is a place of rest, a place for the aged, a
place for drug-addicts or place for alcoholics, a hotel or a similar
place. This clause will however be relaxed in areas where it is
difficult to find such hospitals and in the case of an emergency.
• 9. Domiciliary Treatment : (A) Medical expenses incurred in case
of the following diseases which need domiciliary treatment as
may be certified by the attending medical practitioner and / or
bank’s ’medical officer shall be deemed as hospitalization
expenses and reimbursed to the extent of 100% subject to the
overall limit of Sum Insured under the policy. 1. Animal/Reptile/
Insect Bite Or Sting, 2. Aplastic Anaemia, 3. Arthritis, 4. Asthma,
5. Cancer, 6. Cardiac Ailments, 7. Cerebral Palsy, 8. Chronic
Bronchitis, 9. Chronic Obstructive Pulmonary Disease, 10.
Chronic Pancreatitis, 11. Connective Tissue Disorder, 12.
Diabetes And Its Complications, 13. Diphtheria, 14. Epidermolysis
Bullosa, 15. Glaucoma, 16. Graves’ Disease, 17. Growth
Disorders, 18. Haemorrhages Caused By Accidents, 19.
Hemophilia, 20. Hepatitis - C, 21. Hepatitis –B, 22. Hypertension,
23. Hyperthyroidism, 24. Hypothyroidism, 25. Immuno
Suppressants, 26. Kidney Ailment, 27. Leprosy, 28. Leukemia,
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29. Malaria, 30. Motorneuron Disease, 31. Multiple Sclerosis, 32.
Muscular Dystrophies, 33. Myasthenia Gravis, 34. Non-Alcoholic
Cirrhosis Of Liver, 35. Organ Related (Chronic) Condition Of
Any Kind, 36. Osteoporosis, 37. Paralysis, 38. Parkinson’S
Diseases, 39. Physiotherapy, 40. Pleurisy, 41. Polio, 42.
Psoriasis, 43. Psychiatric Disorder Including Schizophrenia And
Psychotherapy, 44. Purpura, 45. Radiotherapy And
Chemotherapy In The Treatment Of Cancer And Leukemia, 46.
Seizure Disorders Of All Kinds, 47. Sequalea Of Meningitis, 48.
Sickle Cell Disease, 49. Sleep Apnea Syndrome(Not Related To
Obesity), 50. Status Asthamaticus, 51. Strokes Leading To
Paralysis, 52. Swine Flu, 53. Systemic Lupus Erythematous
(Sle), 54. Thalassemia, 55. Third Degree Burns, 56. Thrombo
Embolism Venous Thrombosis/Venous Thrombo Embolism
(Vte)], 57. Tuberculosis, 58. Tumor, 59. Typhoid Accidents Of
Serious Nature, 60. Ulcerative Colitis, 61. Varicose Veins, 62.
Venous Thrombosis(Not Caused By Smoking), 63. Wilson’S
Disease,
• (B) Cancer , Leukemia, Thalassemia, Tuberculosis, Paralysis,
Cardiac Ailments , Pleurisy , Leprosy, Kidney Ailment , All Seizure
disorders, Parkinson’s diseases, Psychiatric disorder including
schizophrenia and psychotherapy , Diabetes and its
complications, hypertension, Hepatitis –B , Hepatitis - C,
Hemophilia, Myasthenia gravis, Wilson’s disease, Ulcerative
Colitis , Epidermolysis bullosa, Venous Thrombosis(not caused
by smoking) Aplastic Anaemia, Psoriasis, Third Degree burns,
Arthritis , Hypothyroidism , Hyperthyroidism expenses incurred
on radiotherapy and chemotherapy in the treatment of cancer
and leukemia, Glaucoma, Tumor, Diptheria, Malaria, Non-Alcoholic
Cirrhosis of Liver, Purpura, Typhoid, Accidents of Serious Nature
, Cerebral Palsy, , Polio, All Strokes Leading to Paralysis,
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Haemorrhages caused by accidents, All animal/reptile/insect bite
or sting , chronic pancreatitis, Immuno suppressants, multiple
sclerosis / motorneuron disease, status asthamaticus, sequalea
of meningitis, osteoporosis, muscular dystrophies, sleep apnea
syndrome(not related to obesity), any organ related (chronic)
condition, sickle cell disease, systemic lupus erythematous
(SLE), any connective tissue disorder, varicose veins, thrombo
embolism venous thrombosis/venous thrombo embolism (VTE)],
growth disorders, Graves’ disease, Chronic obstructive
Pulmonary Disease, Chronic Bronchitis, Asthma, Physiotherapy
and swine flu shall be considered for reimbursement under
domiciliary treatment.
• (C) The cost of Medicines, Investigations, and consultations,
etc.in respect of domiciliary treatment shall be reimbursed for
the period stated by the specialist and / or the attending doctor
and / or the bank’s medical officer, in Prescription. If no period
stated, the prescription for the purpose of reimbursement shall
be valid for a period not exceeding 90 days.
• 10. Domiciliary Hospitalisation means medical treatment for a
period exceeding three days for such an illness/disease/injury
which in the normal course would require care and treatment at
a hospital but is actually taken while confined at home under any
of the following circumstances: a. The condition of the patient is
such that he/she is not in a condition to be removed to a hospital
or b. The patient takes treatment at home on account of non-
availability of room in a hospital.
• 11. For Ayurvedic Treatment, hospitalisation expenses are
admissible only when the treatment has been undergone in a
Government Hospital or in any Institute recognised by the
Government and/or accredited by Quality Council of India/National
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Accreditation Board on Health.
• Company’s Liability for all claims admitted in respect of any/all
insured person/s during the period of insurance shall not exceed
the Sum Insured stated in the schedule.
• 12. Expenses on Hospitalization for minimum period of a day
are admissible. However, this time limit is not applied to specific
treatments, such as
• 1 Adenoidectomy | 2 Appendectomy | 3 Ascitic / Plueral tapping |
4 Auroplasty not Cosmetic in nature | 5 Coronary angiography /
Renal | 6 Coronary angioplasty | 7 Dental surgery | 8 D&C | 9
Excision of cyst/ granuloma/lump/tumor | 10 Eye surgery | 11
Fracture including hairline fracture /dislocation | 12 Radiotherapy
| 13 Chemotherapy including parental chemotherapy | 14
Lithotripsy | 15 Incision and drainage of abscess | 16
Varicocelectomy | 17 Wound suturing | 18 FESS | 19 Operations/
Micro surgical operations on the nose, middle ear/internal ear,
tongue, mouth, face, tonsils & adenoids, salivary glands & salivary
ducts, breast, skin & subcutaneous tissues, digestive tract,
female/male sexual organs. | 20 Haemo dialysis | 21 Fissurectomy
/ Fistulectomy | 22 Mastoidectomy | 23 Hydrocele | 24
Hysterectomy | 25 Inguinal/ ventral/ umbilical/ femoral hernia | 26
Parenteral chemotherapy | 27 Polypectomy | 28 Septoplasty | 29
Piles/ fistula | 30 Prostate surgeries | 31 Sinusitis surgeries | 32
Tonsillectomy | 33 Liver aspiration | 34 Sclerotherapy | 35 Varicose
Vein Ligation | 36 All scopies along with biopsies | 37 Lumbar
puncture |
• This condition will also not apply in case of stay in hospital of
less than a day provided – (A). The treatment is undertaken under
General or Local Anesthesia in a hospital / day care Centre in
less than a day because of technological advancement and (B)
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Which would have otherwise required hospitalization of more
than a day.
• 13. Alternative Therapy : Reimbursement of Expenses for
hospitalization or domiciliary treatment (under clause 3.1) under
the recognized system of medicines , viz, Ayurvedic ,Unani,
Sidha, Homeopathy , Naturopathy , if such treatment is taken in
a clinic /hospital registered, by the central / state government.
• 14. MATERNITY EXPENSES BENEFIT EXTENSION The
hospitalization expenses in respect of the new born child can be
covered within the Mother’s Maternity expenses. The maximum
benefit allowable under this clause will be up to Rs. 50000/- for
Normal Delivery and Rs. 75,000/- for Cesarean Section.
• Special conditions applicable to Maternity expenses Benefit
Extension: (I) 9 months waiting period under maternity benefit
will be waived from the policy. (II) Pre-natal & post natal charges
in respect of maternity benefit are covered under the policy up to
30 days and 60 days only, unless the same requires
hospitalization. (III) Missed Abortions , Miscarriage or abortions
induced by accidents are covered under the limit of Maternity
(IV) Complications in Maternity including operations for extra
uterine pregnancy ectopic pregnancy would be covered in the
up to the Sum Insured Expenses incurred for Medical Termination
of Pregnancy (V) Claim in respect of delivery to be given
irrespective of the number of children
• 15. Baby Day one Cover: New born baby is covered from day
one. All expenses incurred on the new born baby during maternity
will be covered in addition to the maternity limit up to Rs, 20000/
-. Per child. However if the baby contacts any illness the same
shall be considered in the Sum Insured . Baby to be taken as an
additional member within the normal family floater.
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• 16.Ambulance Charges: Ambulance charges are payable up to
Rs 2500/- per trip to hospital and / or transfer to another hospital
or transfer from hospital to home if medically advised. Taxi and
Auto expenses in actual maximum up to Rs750/- per
Hospitalization. Ambulance charges actually incurred on transfer
from one center to another center due to Non availability of medical
services/ medical complication shall be payable in full.
• 17. Pre- Existing Diseases / Ailments: Pre-existing diseases are
covered under the scheme.
• 18. Congenital Anomalies: Expenses for Treatment of Congenital
Internal / External diseases, defects anomalies are covered under
the policy
• 19. Psychiatric diseases: Expenses for treatment of psychiatric
and psychosomatic diseases be payable with or without
hospitalization.
• 20. Advanced Medical Treatment: All new kinds of approved
advanced medical procedures for e.g. laser surgery, stem cell
therapy for treatment of a disease is payable on hospitalization /
day care surgery.
• 21.Treatment taken for Accidents can be payable even on OPD
basis in Hospital up to Sum Insured
• 22.Taxes and other Charges : All Taxes , Surcharges , Service
Charges , Registration charges , Admission Charges , Nursing ,
and Administration charges to be payable. Charges for diapers
and sanitary pads are payable if necessary as part of the
treatment Charges for Hiring a nurse / attendant during
hospitalization will be payable only in case of recommendation
from the treating doctor in case ICU / CCU, Neo natal nursing
care or any other case where the patient is critical and requiring
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special care.
• 23. Treatment for Genetic Disorder and stem cell therapy is
covered under the scheme.
• 24. Treatment for Age related Macular Degeneration (ARMD),
treatment such as Rotational Field Quantum magnetic
Resonance (RFQMR), Enhanced External Counter Pulsation
(EECP), etc. are covered under the scheme. Treatment for all
neurological/ macular degenerative disorders shall be covered
under the scheme.
• 25. Rental Charges for External and or durable Medical equipment
of any kind used for diagnosis and or treatment including CPAP,
CAPD, Bi-PAP, Infusion pump etc. will be covered under the
scheme. However purchase of the above equipment to be
subsequently used at home in exceptional cases on medical
advice shall be covered.
• 26. Ambulatory devices i.e., walker, crutches, Belts, Collars,
Caps, Splints, Slings, Braces, Stockings, elastocrepe bandages,
external orthopedic pads, sub cutaneous insulin pump, Diabetic
foot wear, Glucometer (including Glucose Test Strips)/ Nebulizer/
prosthetic devise/ Thermometer, alpha / water bed and similar
related items etc., will be covered under the scheme.
The trade union movement represents the organizedeconomic power of the workers... It is in reality themost potent and the most direct social insurance theworkers can establish.
- Samuel Gompers
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BOI RETIRED EMPLOYEES MEDICAL ASSISTANCE SCHEME
Ref. Cir. - 1. HO - 91/155 dt. 04/12/1997
2. HO - 101/115 dt. 12/09/2007
3. HO - IOM dt. 30/07/2009
4. HO/HR/IR/VGK-12 (8/48) dt. 11/07/2007
5. HO/TBD/SPVV-101 (10/98) dt. 14/08/2009
6. Union Circular - 31/2009 dt. 19/08/2009
7. Branch Circular-108/156 dt. 28.11.2014
8. HO/TBD/SGS/2009 dt.14.12.2016
9. HOBC 111/66 dt.29.07.2017
10. HOBC 111/175 dt. 31.01.2018
Retired employees of the banks his/her spouse only will be eligible for the
benefits under the scheme. On the death of retired employees spouse will continueto be covered under the scheme.
Reimbursement of Insurance premium (*) - Rs. 10,000/- p.a. (Max. Rs.5000/- per person for both self & spouse).
REMAS MEMBERSHIP FEE : Clerk : 30,000/-
Sub-Staff : 15,000/-
Hospitalisation expenses:
(*) Reimbursement of 90% of the bill amount subject to max. of Rs. 20,000/-per annum (for minor aliment). Reimbursement of 90% of the bill amountsubject to max. of Rs. 30,000/- per annum (for major aliment). However,in respect of neuro/cardiac/kidney/liver/cancer surgeries, if hospitalizationexpenses (including surgery charges) exceed Rs. 1,50 lakh, 90% of thebill amount subject to max. of Rs. 1 .50lakh to be reimbursed.
(*) Note : Existing guidelines for reimbursement of medical insurance premiumor hospitalization expenses (as the case may be) to the member subjectto the ceiling of Rs. 1.50 lakh during the life time of the member to becontinued as it is.As per 10th Bipartite Settlement,the insurance BasedMedical Aid schme is also available to Retired Employees.
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EX-GRATIA MEDICAL AID :Cir. No.2007- 08/96 dt.26/10/2007- Exgratia Medical aid is payable to awardstaff upto 70% of the balance amount not covered under Hospitalisationscheme as specified in the Bipartite Settlement.
Eligibility:
1. Award staff for self and dependent family can claim balance amount ofhospitalisation expenses in respect of ailments/special operation suchas i)Cardiac ii) Brain iii) Cancer iv)Kidney v)Major Operation of Spinevi) Serious Burn casesvii) Major accidents resulting in fracturesrequiring surgical treatment viii)Cases of surgery resulting in theamputation of any limb of the body ix)Detachment of retina/retinal surgeryx) Grafting of Bone Marrow xi)Tuberculosis xii) Liver ailments xiii)Alzheirmber/Parkinson xiv) Demntia.
2. Full reimbursement of hospitalisation expenses for self only in case ofworkman dies in harness.
3. Reimbursement @90% for self and 70% for dependants for dialysis,blood transfusion,pace maker,heart valve, CAT scanning and chargesfor Intensive care Unit
Percentage of Amt.to be Reimbursed : After reimburs ing thehospitalisation expenses in terms of settlement, maximum upto 70% ofthe balance amount of such expenses can considered for sanction.Minimum Rs.10000/- by clerk and Rs.5000/- by sub-staff have to borneout of total expenses.
Sanction : It will be only considered at Head Office, HR Deptt,depending on the merits of the case.
Scheme for intt free medical advance :(Ref :IOM NO.- HO:HR:IR:KVVSP:I-708 dated 20.09.2010)To meet medical Exp. in emergent circumstances is generally granted in thefollowing Cases.i) Amt to be deposited with the hospital Authorityii) Estimated expenses are large.iii) The employee is eligible for medical aid.Int. will be charged if an advance amount is not settled within 30 days afterfinal settlement of claim under hospitalisaiton.
104
CLEAN OVERDRAFT
ELIGIBILITY : Confirmed Part Time/Full time Employees of the Bank
PURPOSE : Any bonafide purpose
LIMIT :
Service Clerks Substaff
After Confirmation to 5 yrs Rs.1,65,000 Rs.1,35,000
5 yrs to 10 yrs Rs.3,00,000 Rs.2,00,000
10yrs to above Rs.7,00,000 Rs.4,00,000
INTEREST : At Present 8% w.e.f 30.09.2016MARGIN : NILREPAYMENT : Monthly Interest to be recovered directly from Salary
Notes :i ) If employee avails P.F. Loan, the limit of OD will be reduced by the
amount of P.F.Loan.ii) Total deduction should not exceed 65% of gross salary.Notional
interest on the full amount of OD will be included in calculation oftotal deduction.
ii i) In case where the staff Member has already availed Personal OverDraft facility and if desired by the employee 60% of the sanctionlimit will be continued to be treated as over draft facility and re-maining 40% to be converted to Term Loan & repaid in 84 EQM.
iv) In other case 60% & 40% policy will be applicable with all otherterm.HO:95/129 dt .13.12.2001, 2001-02/740dT.24.01 .2002,101/38dt.02.07.2007,102/42dT.12.06.2008,207-08/06 dT.25.07.2007,103/8 dT.15.04.09, 105/18dT.22.08.2011. 95/129 dt 13.12.2001, 112/84dt.17.09.2018
105
STAFF HOUSING LOAN
ELIGIBILITY : Minimum 2 years of service.i ) After completion of 1year of service, Staff can avail HSG Loan as
applicable to public. It can be converted to Staff HSG Loan after2years of service.
ii) In case both husband & wife being in service of the Bank, Both willbe eligible for Loan
PURPOSE :Purchase of Land for construction of house, purchaseof house/flat OR Repair.
LI MI T :Clerks : 90% of cost or 35 Lakhs Maximum:Sub-Staff : 90% of cost or 20 Lakhs Maximum
INTEREST :Upto Rs.1.10 5% p.a Simple & above 6.5% p.a Simple.MARGIN :10%REPAYMENT :Purchase/Acquisition of House Principal-225 Months
& Interest -75 Months.For repair/renovation Principal-90 & Interest -30monthly instalment.
(Ref. Head Office Branch Circular. No.- 104/53 dated 31.07.2010)HO: 86/121 Dt.19.6.87 , 91/42 dt. 03.06.97, 91/11 dt. 17.09.97, 95/135 Dt. 26.12.01,96/01 dt.01.04.02, 96/21 Dt. 21.05.02, 99/117 Dt. 21.10.05.New Housing Loan: 104/53Dt.31.07.2010, 104/42 Dt.08.07.10. For Operation Guidelines Cir Letter No: 2010-11/ 174 D t . 3 0.10. 2010, HOBC 104/1 04 D t . 06 .12.2 010, HOBC 104/ 133Dt.24.01.2011,108/193 dt .16.01.2015, Cir No. 110/44 dt.19.05.2016(for Ex-
Serviceman.)
Modification Considering Loan for extension. Enlargement / Repair /Renovation of House / Flat :Clerks: Rs.6 Lakhs Sub Staff: Rs.3 Lakhs( B.C No.104/104 dt.06.12.2010]
HOUSING LOAN AT THE TIME OF RETIREMENT :It will be recovered from terminal dues. But, if employee wants to continuethen, review of account to be made & account will be allowed to continueupto 70 years of age.( B.C No.98-99/2 dt.16.04.1998)
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PROVIDENT FUND LOAN (subject to the sanctioned limit available )
A) ELIGIBILITY : All confirmed employee joined before 01.04.2010B) PURPOSE : 1. Medical, religious function, higher studies.
2. Self marriage/dependent marriageC) LIMIT : 1. 3 X B.P. + Allow. Ranking for PF – For other Purpose
2. 6 X B.P. + Allow. Ranking for PF- For MarriageD) INTREST : As applicable to PF –Rate decided by HO.E) MARGIN : NILF) REPAYMENT : 1. 24.Months – For other Purpose
2. 48.Months – For Marriage PurposeG) NOTES : No fresh Loan until Previous loan is closed and stipulated
period of previous loan is completed (HO: 96/134 DT. 1.1.03./ 91/146 Dt. 21.11.97)
VEHICLE LOANELIGIBILITYi) For Four Wheelers:Confirmed employees with five years of satisfactory
serviceii) For Two Wheelers:Confirmed employee with two years of satisfactory serviceiii) After completion of 6months of service, Staff can avail Vehicle Loan
applicable to Public.QUANTUM OF LOANFor purchase of four wheelers- Motor Car, Jeep, Maruti Van fitted with Petrol,Diesel, CNG Engine the maximum amount of staff vehicle loan should notexceed Rs.7.50 lacs for both i.e for car & 2 wheeler also.RATE OF INTERESTFor Four Wheelers:6.5% (Simple) for all limit .For Two Wheelers:6.5% (simple) for all limit .Interest free upto Rs.25000/- for those joined prior to 18/09/1989.REPAYMENT PERIODFor Four Wheelers:Repayable in 200 monthly instalments in the ratio of 3:2i.e.principal in 120 instalments and interest in 80 instalmentsFor two wheelers:Repayble in 84 monthly instalments in the ratio of 5:1 i.e.principalin 70 instalments and interest in 14 instalments(Ref. No. Head Office BranchCircular No. 107/99 dated 05.09.2013/ 107/99 dt.05.09.2013 & 108/198dt.27.01.2015)
107
Staff Members can avail loan under Star Autofin Scheme for bridging the gapbetween the cost of the vehicle and staff vehicle loan as per eligibility.(Ref. No. :HEAD OFFICE IOM NO.-HO:P:IR:VGK:874:SL-20 dated 18thOctober, 2006)If an employee repay vehicle loan prior to stipulated period then surplusproceeds will be Utilised for purchase of new vehicle.If loan a/c is closedin normal course,no need to utilise for purpose of new vehicle.Eligibilityfor purchase of fuel efficient/better vehicle only after 4 yrs of earlierLoan.(Ref. No. - Head Office Branch Circular No.: 96/150 dated 18.02.03)
LOAN / OD AGAINST NSCA. ELIGIBILITY :All staffB. PURPOSE :Domestic.C. LIMIT :NO MAXIMUM LIMIT. UPTO 1.LAC- BR.SANCTIOND. INTREST :MCLR+BSS+3.5%.(Presently 12.3%
(w.e.f.01.04.2016 )E. MARGIN : 15%F. REPAYMENT :Principal on the date of maturity or in instalmentsG. NOTES :Loan amount above Rs.50000/-,
NSc should be Pledged.HO: 83/323 Dt. 09.01.90, 88/171 Dt. 23.01.95, 96/149 Dt. 18.02.03and 99/25Dt.16.05.05.)103/12 dt.7.04.2009,100/96Dt.11.09.06, 101/18 Dt.09.05.07
NON REFUNDABLE WITHDRAWAL PROVIDENT FUND(For marriage & medical treatment)NRWPF may also be permitted to all confirmed employees havingcompleted 10 years of service for following purposes(A) For marriage of self, close relatives like son, daughter, brother,sister, who are wholly dependent on the employee (member).for medicalexpenses of self / close relatives viz. spouse, son, daughter, father,mother, brother, sister etc., who are wholly dependent on the employee(member).The quantum of NRWPF is as under :
Officer : Rs.4,50,000/-Clerk : Rs.3,00,000/-Sub-staff : Rs.1,80,000/-
108
(6 month’s Basic Pay and other allowances ranking to PF or 50%accumulated balance of own contribution + voluntary contributionor actual expenditure. whichever is less.)However, the facility is available on two occasions only during entireservice period and also subject to the above ceiling.(REF NO: HOBC: 100/170 Dated 24.01.2007& HOBC: 109/48dt.21.05.2015)B. Non refundable withdrawal form P.F.:i. Eligibility : All confirmed employeeii. Purpose : Expenditure on building of House/ purchase of Flat
HO: 91/124 Dt. 09.10.97. 82/253 Dt. 22.11.1988/ For acquiring 2nd House/FlatBr.Cir.No.110/54 dt. 31.05.2016
iii. Limit : ½ of the amount of employee’s portion.Foot Note (Staff Loans)
1. Additional Housing Loan - 95/135 dt. 26-12-01 & 96/21 dt.21.05.02 Additional Housing Loan could be granted in caseswhere the staff Hsg. Loan availed and has been fully repaid.
2. To avail loan of BOI Staff Society. Bank's permission is to beobtained.
3. Removal of limit clause of 40% Hsg. Inst Ref. PZO/CR/AUJ/419 Dt. 29.03.95
4. Cover bore wells / Tube wells under Aashiana Hsg. scheme.Ref. 91/81 Dt. 01.08.97.
5. All personal Loans available to public can be availed by staffmembers subject to total deduction ceiling of 60% of Grosssalary Ref : H/O 98/8 dt. 10.04.04.
6. All Award Staff members after completion of Six monthsof service are eligible ( even before confirmation ) toavail all the facilities applicable to confirmed staff asper entitlement and stipulation of the scheme.
(HO:BC-108/206 dt.12.02.2015 )
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LEAVE FARE CONCESSION
Notes :
1. Local conveyance (To & fro) form residence to Rly. Station / ST Stand /Airport is permitted within the overall limit.
2. Where 2 places are not connected by Rly, will be reimbursed with actualBus fare @ Rs. 6/- per km./Rly fare for same distance whichever is lower.
3. Reservation & Berth charges of Rly. Fare & supplementary & developmentcharges can be reimbursed over and above entitlement.
4. LFC may be availed by family members for travel without attendance ofworkman. The workman and/or members of his family may visit the sameplace or different places of their choice within the permissible distance.
110
5. If an employee's spouse is working in the same bank, only one of them willbe eligible for LFC in a block period.Both are entitled for encashment of P/L.
6. Physically Handicapped - Employee appointed under such category andwho is eligible for payment of conveyance allowance is eligible foraccompanying companion provided he has no family member to claim theLFC.
7. Family Definition - : Spouse, wholly dependent unmarried children (step &adopted), wholly dependent parents , married female employee's dependentparents or parents-in-laws depending on her. Wholly dependent's aggregateincome should not exceed Rs. 10,000/- p.m.
8. Payment of LFC Advance can be availed for Inward Journey subject toproduction of O/W Journey tickets or receipts from Travelling Agency.
Note : a) Option will be given to choose between 2/4 years block at time ofexpiry of existing block.
b) Optional encashment of LFC amt. will be 100% of entitlement along withleave encashment .No need of taking any Leave .
* Ready reconer for present railway one way fare w.e.f from 14.08.2018 forLFC calculation given for your ready reference /perusal for LFCEncashment. (Ticket Amt. is payable for actual availment of eligibility Kms.)It is subject to change from time to time as per order by Railway Authority.
Cadre Class Kms. Span Amount
Lean Peak
Clerks AC-II 4000 04 Years Rs. 3739/- Rs. 3849/-
AC-II 2000 02 Years Rs. 2562/- Rs. 2644/-
Sub-Staffs AC-III 5000 04 Years Rs. 3013/-
AC-III 2500 02 Years Rs. 1975/-
Incase of Sr. Citizens, entitlement is calculated after taking intoconsideration of concession by Rly. Authority- for Gents 40% & for Ladies50% of the fare.
111
LIST OF HOLIDAY HOME
NAME OF THE ALLOTING NO. OF ROOMS
HOLIDAY HOME ADDRESS AUTHORITY AVAILABLE
ACHARE Zing n Swing Resort Sr. Manager (HR) 2 A.C Cottages for 3At-Post Achare, Ratnagiri Zone persons withOff Mumbai Goa Tel. 02352-221755 complimentary oneHighway Fax. 02352-226145 way pickup or dropDist. Sindhudurg facility fromTel : 02365-246248 Kankavali Station.
Morning tea/coffeecomplimentary.
AGRA Hotel Ashish Palace, Z.O. Agra Zone 3 A.C rooms withTourist Complex Area, L.I.C. Building, double bedFatehabad Road, 1st floor, Sanjay Extra bed for Rs. 125/-Agra - 282001 Palace, Agra - 25% discount on foodTel : 0562-2230032 282002 bills.2330403 Fax: 2330404 Tel: 0562-2527014,
2521324
AMRITSAR Hotel Lawrence Z.O. Amritsar Zone 3 double bedded AC6, Lawrence Road, Hall Bazar Room.Amritsar 143001. Amritsar 143001. 25% discount on food andPhone: 0183- Tel: 0183-5099336 beverage.2400105/6/7 5099344Fax: 0183-2401982
BENGALURU Hotel U T Elegance - Z.O. Bengaluru Zone 5 A.C BusinessBengaluru, No.21, 11 K.G. Road, ExecutiveRamachandra Road, Bangalore -560009 rooms, 2 Adults + 2Next to ICICI Bank, Tel: 080-22959410, ChildrenNear Swapn ngr, (below 10 years)Gandhinagar per room Bengaluru-560009 22959401 Rs. 100/-080-48544447 for extra bed.
Complimentary Breakfast.
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BHUBANESWAR Hotel Residency 25 × 7, Sr. Manager (HR) 4 double bedded AC13/W, Ashok Nagar, Zonal Office, rooms.Bhubaneswar -751009. BhubaneswarTel.0674-2536044, Tel. 0674-25592572533703 Fax. 0674-2559247
BODH GAYA Hotel Shashi International The Sr. Manager 2 doubleNear Bhutan Temple, (HR) bedded ACMastipur, Patna Zone RoomsBodhgaya 824231 H.R. Department ComplimentaryTel. 0631-2200459 Tel. : 0612-2506510 Tea/BreakfastMob. 94302 01308 Fax - 0612 -2223178 Food at concessionalEmail : [email protected]
CHENNAI Hotel Royal Regency, Z.O. Chennai Zone, 4 A.C rooms with double26/27, Poonamalee High Old No. 17, New bedRoad Periamet, No. 30 2 Adults plus 2 childrenChennai 600 003 Errabalu Street below 11 years allowedTel : 044,49347777 Chennai - 600001 Complimentary break-Opp. to Egmore Railway Tel: 044-66777502 fast.Station 66777555
DALHOUSIE Hotel Super Star The Sr. Manager 2 double beddedSubhash Chowk, (HR) roomsDalhousie - 176304 Ludhiana Zone Extra bed chargesTel: 01899-242181 Personnel Deptt. Rs. 100/- per bedMobile : 9418380291 R-579 Model Town,
LudhianaTel: 0161-2408163Fax-0161-2410648
DAMAN Hotel Princess Park Sr. Manager (HR) Three roomsDevka Beach Z.O. AhmedabadNani Daman 396210 Tel. 079-25351461Tel No. 0260-2254323 Fax. 079-253504512250900Fax No. 0260-2250800
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DARJEELING Norla Home Stay Z.O. Siliguri 4 (double bed)35/4, Hill Cart Road, Tel: 0353-2641098 Rooms - 2 AdultsKrishna Villa, West Point, -2641718 with 2 children (extraDarjeeling - 734 101. Fax:0353-2642985 bed charges)
Complimentarybreakfast for 2 persons
DARJEELING Hotel Hill Grand Himalaya The Sr. Manager(HR) Two Rooms (PATNA) Bokshi Jhora Hill, Patna Zone
Cart Road Dali, H.R. DepartmentDarjeeling 734101. Tel. 0612-2506510
Fax - 0612 -2223178
DIGHA Hotel Kanchan The Sr. Manager 2 AC roomsInternational (HR)Plot No. 62. Kolkata ZoneNew Digha Township, Personnel DepttDist. Purbha Midnapore 5 B.T.M. Sarani,(W.B.) KolkataTel. : 03220-266641/ Tel. 033-22310292642 Fax. 033.22104375
DWARKA Manek Svasti , Z.O. Ahmedabad 2 Non-AC RoomsInn-Dwarka Zone. 2 Adults plus 2Opp Gayatri Temple, Tel: 079-25353118 children below 12Near PVM Girls School, 253 51461 years permitted in aChapati Dwarka Fax. 079-25350452 room. Extra bed charges02892- 235695 Rs. 100/- per bed
GANAPATIPULE BOI Staff Co- op. Sr. Manager (HR) 2 AC RoomsGanapatipule Ratnagiri ZoneAt- Ganapatipule, Tel. 02352-221755Village Ganapatipule, Fax. 02352-226145Tal-RatnagiriDist. Ratnagiri.
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GANGTOK Hotel Marigold The Sr. Manager 3 double bedded (Kolkatta) 31-A, National Highway (HR), Kolkata Zone Rooms
Gangtok 737101. Personnel DepttTel. 03592-201254/55 5 B.T.M. Sarani,
KolkataTel. 033-22310292Fax. 033-22104375
GANGTOK Hotel Marigold The Sr. Manager Three Rooms (PATNA) 31-A, National Highway (HR), Patna Zone
Gangtok 737101. H.R. DepartmentTel. 03592-201254/55 Tel. : 0612-2506510
Fax. 0612-2223178
GOA GINGER HOTELS - The Sr. Manager 4 AC RoomsGOA (HR) Mumbai South ZoneGinger Hotel Goa 70/80 M.G. Road, H.R. DepartmentSGO Complex, Fort, MumbaiEDC Patto- Tel: 22703543/44Plaza Opp. BOI 2674857 /2623656Star House, Extn. 2531,2612Pajim - 403001 Fax No. 226179030832-665636
GURUVAYUR Nandini Tourist Home Sr. Manager (HR) 2 AC Suits.Pvt. Ltd. Kerala ZoneP.O. Box No.6, Tel.0484-2349557East Nada, Guruvayur, Fax. 0484-2349720Thrissur Dt. Kerala - 1Ph. 487-2552455/54/53
HARIDWAR Hotel Ganges Rivera Sr. Manager (HR) 5 Double bedded ACDelhi By Pass Road, Ghaziabad Zone Rooms, Extra BedHaridwar (Uttarakhand) Tel. 0120-2404137 Rs. 100/-, TwoTel. 01334-240940 Fax. 0120-2403782 children allowed.Fax. 01334-240942 Complimentary pick-Mob. 9358189261/263 up and drop facility
from Bus-stand/Rly.St.
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HYDERABAD Hotel Tourist Palace, Z.O. Zonal Office. 4 AC fully furnishedHyderabad, Telengana Zone. rooms with double bedBeside ENT Hospital, Tel. 040- 2 Adults and 2Bank Street, 23317302 children upto 12Koti Hyderabad, 23314721 / 23 years of age allowed.Telangana. Fax. 040- Complimentary040-66668686/ 23315173 breakfast for 4 persons.040-66669494 Extra Bed Rs. 250/-
JAIPUR Hotel JAG Niwas Z.O. Jaipur Zone 3 A/C double bed roomsD-190/B, Jagdish Marg, C-63B, Nakoda with complimentary break-Banipark, Jaipur-302016 House, fast. Extra single bedTelephone : 0141 - Sarojini Marg, C without any charges.4011001/2202233 Scheme, JaipurMob. 9950220069 Tel.No. 0141-2658027
KANHA Mohua Hotels Pvt. Ltd. The Sr. Manager 2 roomsTF-2, Johnsons Tower (HR) 2 Adults and 2childrenKanha. MP. Khandwa Zone (Available from 1st Nov.
H.R. Department to 15th June)
KANYAKUMARI Vivekanandpuram, Sr. Manager (HR) 3 double beddedKanyakumari - 629702 Z.O. Coimbatore RoomsTel. 04652-246261, Tel. 0422-246250 2392813Fax. 04652-247177 Fax. 0422- 2390806
KATRA Hotel Ginger Bhavani’s The Sr. Manager 5 deluxe roomsKatra (HR), Amritsar Zone (Extra person chargeJammu Road, H.R. Department Rs. 300/- ).Katra Tel 0183-509933609858752407 Fax - 0183-2210456
KODAIKANAL C.V.N. COTTAGE Z.O. CoimbatoreZone 4 cottages / 5 roomsKodaikanal 324 Oppanakara St.5 / 163, Fern Hill Road, Coimbatore 641001 2 Adults with 2 childrenKodaikanal - 624101 Tel: 0422-2392813 or 3 Adults allowedTel: 04542-241497/8 2397221
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LONAVALA Dream Holiday Resort, ZO: Mumbai South Two Bunglow withPlot No. 130, 70/80 MG Road Two Double BedShankar Nagar, Road, Fort, MumbaiTungarli,Lonavala - 410 401
MAHABALESWAR Hotel Madhuban Mumbai South Two Double Bed RoomsMahabaleswar ZoneLake Road,Mahabaleswar,Dist. Satara,
MAHABALESWAR Hotel Madhuban Z.O. Pune ZoneMahabaleswar 1162/6,Lake Road, Shivaji Nagar, PuneMahabaleswar,Dist. Satara,
MANALI Manali Co-op. Housing Z.O. Chandigarh 16 roomsSociety Ltd. Chichoga Zone 2 Adults plus 2 childrenEstate SCO 181 - 182, upto 12 year allowed in aVillage - Chichoga Sector 17C room.Manali 175131 (HP) Chandigarh-160017Tel: 01902 52471 Tel: 0172-
2671506/7/8
MATHERAN Dell Bungalow The Sr. Manager 7 roomsSharlot Lake Lane (HR)(Behind West End Hotel) Mumbai South ZoneNear Police Station H.R. DepartmentAcharya Atre Marg. 70/80 M.G. Road,Matheran - 410 102 Fort, Mumbai
Tel : 22703543/4422674857 / 2623656Extn. 2531,2612Fax No. 22617903/22625985
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MOUNT ABU Hotel Sudhir, Post Box Z.O. Jaipur Zone 3 Air cooled bed roomsNo. 50, Rajendra Marg C-63B, Nakoda (2 adults and two childrenMount Abu. House below 12 years will beRajasthan - 307 501 Sarojini Marg, C allowed in one room)Tel: 02974 235311 Scheme, JaipurFax: 02974 238259 Tel: 0141-2658027
MOUNT ABU Hotel Sudhir, Post Box Sr. Manager (HR) 4 Air cooled bedNo. 50, Rajendra Marg, Z.O. Ahmedabad rooms -Mount Abu, Tel. 079-25351461 (2 adults and two Rajasthan - 307 501, Fax. 079-25350451 Children below 12Tel: 02974 235311 years will be allowedFax: 02974 238259 in one room)
MUNNAR Ayur County Resorts ZO: Kerala Zone 2Bed RoomsMunnar Kaloor TowersChinnakanal, Munnar KochinKerala - 6856189447700017, 9447033077
MUSSORIE Hotel Darpan,Mussorie Kulri -Landour Road, ZO: 5 RoomsBelow Office of Nagar Dehradun ZonePalika, (Near PicturePalace) Mussorie8979244044
MYSORE Shree Guru Residency The Branch 4 Non-AC rooms with2249,2249/I, Manager, double bedNew No. 10, Mysore Branch. 2 adults plus10/I, Jhansi Laxmi Bangaluru Zone 2 childrenBai Cross Tel: 0821-2430147 below 10 years of ageRoad, Devraj Mohalla, Fax: 0821-2443913 per room allowed.Mysore, Pin-570 001 For extra person chargesTel : 91-821-5269111 Rs. 150/- per day.Fax : 91-821-5269114
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NAINITAL Headingly Cottage The Sr. Manager Three roomsAbove India Hotel (HR)Hydel Guest House Lucknow ZoneNaintal, Uttarakhand H.R. Department
NEW DELHI Hotel Crest Inn Z.O. New Delhi 6 AC Deluxe Double4/27, W.E.A. Saraswati Jeevan Bharati Bldg. rooms.Marg, Karol Bagh, 124, Connaught 25% discount on roomNew Delhi - 110005 Circus, New Delhi services & restaurant food.Ph.: 011-25760224-25 Tel: 011-28844093 Rs. 150/- for extra-bed.Fax: 011-45063633 23319231
NEW DELHI Hotel Alfa Continental The Sr. Manager Three AC RoomsOpp. BOI Paharganj (HR), Ranchi ZoneBranch Pradhan TowersNew Delhi - 110005. Main RoadTel. 011-23561306/07 Ranchi - 83400123589935 Tel. : 0651 -Mobile - 9811533522 2331150/1270
Fax: 0651-2330138
OOTY Mahalaxmi Inn, Coimbatore Zone 16 roomsNear ATC Theatre, Manager, Coonoor 2 Adults per room allowed.Bombay Castle Br., P.B. No. 27,Ootacamund 643 001 Mount Road,Nilgiris - Tamil Nadu Coonoor - 643102
Nilgiris - Tamil NaduTel. 0423-2231971/0472Fax: 0423-2231971
PANCHMARI Hotel Saket The Sr. Manager Two Double BeddedPatel Road Near SBI (HR) RoomsPanchmarhi M.P. - Bhopal Zone461881 Arera Hills, BhopalTel. 07578 - Tel - 0755-42775642521165/252317 2571984Mobile: 9425310465 Fax - 0755 - 2553779
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PORT BLAIR Portblair Holiday Home, Z.O. Chennai Zone, Three A/c BedPhoenix bay Old No. 17, New-30 Rooms and oneNear Carmel School, Errabalu Street common kitchen.Ward No. 6, Portblair-1 Chennai - 6000019933222299/ Tel. 044-6677750203192-234400 66777555
PUDUCHERY Abirami Residency, Z.O. Chennai Zone, 2 Double A/c rooms.Pondicherry Old No. 17, New-30 Complimentary breakfast.No. 92Anna Salai, Errabalu Street Extra Bed : Rs. 300/-0413 2229881 /82/83 Chennai - 600001
Tel: 044-6677750266777555
PUNE Hotel Ashray Z.O. Pune Zone. 3 Double bedded ACNear Laxminarayan 1162/6, Shivaji rooms.Theatre, Nagar, University Complimentary breakfastParvati Road, Road, Near for 2 persons.Near Swargate observatory, Extra bed Rs. 300/-ST Stand, Pune 411005Pune 411009. Tel. 020-25535766/Tel. 020-24425468/69 25535418
Fax-020-25511200
PURI Shakuntala Palace, Z.O. Bhubaneswar 6 A.C RoomsGopal Ballav Road, Zone. 20% discount on food.Sea-Beach, Puri - 1 Tel. 0674-2559243 2 Children below 12Tel: 06752 - 221347/ 2559257 years are permitted233378 Fax: 0674-2559247 without extra charge.Fax: 06752 - 224924
RAMESWARAM GEETA DELUXE Coimbatore Zone 4AC RoomsRameswaram 324,A/C, No. 33, Oppanakara StreetNew Street, CoimbatoreRameswaram- 623526Tel: 04573-222244
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SAPUTARA Star Holiday Home Sr. Manager (HR) 3 double beddedjain mandir Road Zonal Office, rooms.Saputara Ahmedabad
Tel. 079-25351461Fax : 079-25350451
SHIMLA Little Inn - Shimla Z.O. Chandigarh 8 Double Bed roomsLittle Inn Guest House, Zone. (HRD) 20% discount on menuOpp-Bal Asharam, SCO. 181-182, rates for food items.Near Kamla Sector 17-C, 15% discount on laundryNehru Hospital, Chandigarh 160017 telephone charges.Cliff-end-Estate - Shimla Tel. No.0177-2624352, 0172-2671506/7/89805610525,9805556609,0177-2626596
SHIRDI The Pilgrim’s Inn, Z.O. Mumbai North Total 3 Non-ACShirdi, zone. 2nd floor, rooms -MTDC Ltd., Shirdi, BOI Building; S.V. 2 three bedded;Tal. Rahata Road, Opp. Natraj 1 four bedded.Dist. Ahmednagar, Market; Malad (W)Maharashtra Mumbai 400064Pin 423109 Tel. No. (022)Tel (02423) -255194 28827771/5771to 97 Fax. (022)-Fax. (02423)- 28825578256103
TIRUPATHI Hotel Kesava Sr. Manager (HRD) 4 AC rooms with doubleResidency Zonal Office, bed, 2 Adults plus 218-3-60/1C, Tirumala Hyderabad Zone. children below 10 yrsByepass Road, Tel. 040-23317302 per room allowed.TIRUPATI -517501. Fax. 040-23315173 ComplimentaryTel.. 0877-2233458/658 tea/coffee. Extra bed at
Rs. 150/- per day.
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TRIVANDRUM Hotel Horizon, Z.O. Kerala Zone 2 Double bedded ACTrivandrum Kaloor Towers, rooms. (Rs. 500/- forAristo Junction, Kaloor, Cochin, PIN extra bed).Thampanoor, 682017Trivandrum Tel. 0484-23494420471-2326888, 23495572323222, Fax: 0484-2349720Mob. 8281182811
UDAIPUR Hotel Meera Z.O. Jaipur Zone 3 AC rooms6, Meera Marg, C-63B, Nakoda One additinal bed can beHouse, Sarojini Marg, C Scheme, Jaipur. provided without any extraRajasthan 313001 Tel: 0141-2658027 charge.Tel: 0294-2527554, Fax: 0141-23664832524857
UJJAIN Hotel Bhagwati Park, The Sr. Manager 2 AC Rooms1, Vikram Marg, (HR)Near Clock Tower, Ujjain ZoneFreeganj, H.R. Deptt.UJJAIN 456010 18, Shanku Marg,Tel. 0734- Freeganj,2553699/2553700 UJJAIN 456001
Tel. 0734-25130662510466
Fax: 0734 - 2515793
All the evidence shows very clearly that if you are amember of a trade union you are likely to get betterpay, more equal pay, better health and safety, morechance to get training, more chance to have conditionsof work that help if you have caring responsibilities...the list goes on!
- Frances O'Grady
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General Guidelines :1. Please apply in the HRMS2. Allotment of first-come-first basis and not more than 4 days at a time on day-
to-day basis.
3. Room rent Rs. 100/- per day per room.
LIST OF GUEST HOUSE OF FEDERATION / UNION
MUMBAI G-26, Pushpanjali Co-op. Hsg. The President /Society, Vaswani Marg General SecretaryNear 7 Bunglows Bus Depot FOBOISU, MumbaiAndheri (West)
GOA Flat No. 410, 4th Floor Mr. JoshiHemmady Residency Cell No.-Opposite SBI Personal Banking 09860231532Behind Crunet Ice Factory
PATNA Behind Bank of India General SecretaryPatna Main Branch BOIEU (Bihar State)Bandar Bagicha
RANCHI 100, Deshpriya Apartment General SecretaryNorth Office Para, BOIEU (Jharkhand State)Doranda, Ranchi
PUNE Hotel Ashray General SecretaryNear Laxmi Narayan Theatre BOIEU (Pune Unit)Parbati Road, ST Stand, PunePh. : 020-24425468 / 69
HISTORY OF MERGER OF DEARNESS ALLOWANCES :A comparison - Increase
Year Pay Scales at Points Slabs
I BPS 1966 100 points -
II BPS 1970 100 points - -
III BPS 1979 200 points 100 25
IV BPS 1983 332 points 132 33
V BPS 1987 600 points 268 67
VI BPS 1992 1148 points 548 137
VII BPS 1997 1684 points 536 134
VIII BPS 2002 2288 points 604 151
IX BPS 2007 2836 points 548 137
X BPS 2012 4440 points 604 151
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ADVISORIES ON DO’S & DONT’S .
1. There is no contractual obligation to work beyond prescribed hours of work
unless a requisition in writing is made by the competent authority/ official
to work over time.
2. However, a Clerk is to work during cushioning period (15 minutes beyond prescribed
hours of work) only if unfinished item of work will not take more than 15 minutes.
Provision of cushioning period is not intended to extend fixed hours of work and
cannot be utilised by the management in a routine or regular manner.
3. For work done beyond fixed hours of work including cushioning period, as applicable
above, a claim, in prescribed format, for payment of Over Time wages is essentially
required to be submitted to the branch/ office Head or designated official against
acknowledgment. If the branch official refuses to accept the claim, send the claim
by “Registered Post” to the Branch Head with a copy to be endorsed to the Zonal
Office & union.
4. While members are to endeavour for optimisation of output in performance of duties,
they are to work in the normal way without compromising on work quality and laid
down systems and procedures. There should not be any attempt to go slow to earn
overtime wages.
5. There is an obligation to follow Bank’s Rules and Provision of Service Conditions(Awards / Bipartite Settlements/ Bank Level mutual understandings etc).Any violation
thereto may attract disciplinary actions.
6. It is not at all desirable to adopt short cut methods in entering / posting /verifying a transaction. Rather, the full details of a cheque / demand draft /
pay order/ instrument and full narration of a voucher including name and
designation of the sanctioning/ approving authority with date must berecorded/ entered meticulously in the relevant columns in the system(Particularly in case of entering Profit & Loss Vouchers and vouchers
pertaining to Office Accounts). Members are to be extremely carefull in
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examining instruments/ vouchers and tallying / verifying signature/s on the
instrument / vouchers, subject to limits specified, to ensure the correctness
thereof. Members must not enter description like: Cash, Tr, Clg, CTS, Dr,
Cr,Intt, SI, charges or any abbreviated form as such in the system while
putting through transactions. Let time be no constraint. All vouchers (BI-
Bank Induced) are necessarily to be signed in full (not initial) by the delegatee/
s.If two signatories are to sign (Full signature), it must be ensured that the
voucher/s contain signatures of two authorised officials of the bank to
enable a clerk to enter the voucher or the set of vouchers in bank’s book.
7. Members are advised not to entertain any request / oral order from a superior to
enter a transaction in the system or pay cash which is not supported by a valid
instrument / voucher. In other words, the instrument or order to pay must be signed
by authorised signatory / signatories and the vouchers must be signed in full by the
authorised official/s of the bank, as the case may be, depending upon the delegation
of power. Vouchers / instruments not properly drawn or not in order are not to be
processed. The instruments/ vouchers with any kind of alterations are not to be
entertained/ accepted unless they are duly authenticated.
8. Members are not to open a loan account if the sanctioned proposal in original is not
made available for entering the relevant fields /columns in the system and not to
enter any debit / credit voucher/s unless it/they is/are signed in full by authorisedofficial/s of the bank in accordance with power of delegation. It may be noted thatproposal must be sanctioned by an officer who is duly authorised to do so.
9. Members are not to open an account or fill in any of the fields on the KYC sub page
in the system unless that particular account is certified by a competent authority(Branch Head or an officer not below the level of MMM-III or designated officer inthe branch) in Account Opening form stating the name and designation of authorised
official .No instruction or request from a superior is to be entertained for bulk loading
of KYC documents unless all of them are verified and certified by the delegatee.
10. Members are advised neither to pay cash nor to accept cash during failure of
connectivity. However, only upon written authorisation by the competent official
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(not Special Assistant) on paying-in-slip with specific instruction “to accept cash
without verifying details of account holder”, members may accept cash over
the counter. If such work results into non-completion of day’s work during prescribed
hours of work, members are to lodge overtime claim with the Branch Head against
acknowledgment. If the branch head refuses to accept, mail to him through registered
post & send a copy to ZO marking it “Advance Copy”
11. Members are advised to carry out the instructions of the competent official of the
bank to go to another branch which is connectivity-wise functional and complete the
transactions thereat. In such case, members are entitled for to & fro travelling
expenses. He/ She is also entitled to Halting Allowances/ Batta (half the amount of
halting allowance) as the case may be.
12. Members are advised not to carry out instructions to lift and/or lodge cash between
branches/Currency Chests or the likes in violation of laid down security norms
exposing the banks to financial risks and risking their own lives.Always follow the
laid down rules as given in the Diary.
13. Members are advised not to keep unaccounted cash with them. Cash received
during business hours must be accounted for in the bank’s book. Any cash found
to be excess for any reason whatsoever must be accounted for in bank’s bookunder appropriate head (SUNDEP-024).
14. Members are advised not to keep custody of sensitive stationery / security items /
inventories under their control over night. All such items held during business hoursmust be transferred / handed back to custodian by way of creating appropriaterecord( EM to DL through IMC menu) in the system.
15. Members are advised to follow the laid down procedures of handing over and
taking over of cash safe keys as and when required. The charge of cash has to betaken over only after a thorough count / examination and verifications of cash /valuables kept in cash safe. In no case, the charge of cash /valuables is to be taken
over in casual or perfunctory manner. The meaning of the word “Valuables” in
BPS is not to include gold as security to secure gold loan. HC-II (excepting
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in single officer branch) is not to become a joint custodian.In no circumstances,
the cash Key should be kept in the Branch.
16. Members are advised not to share or part with their pass words/ use other’s
password in any circumstance. Utmost secrecy needs to be maintained in the
matter of pass words.Violation may warrent disciplinary action under Gross
Misconduct.
17. Members are advised not to carry out pre-sanction/post-sanction inspection in the
loan accounts unless they are specifically required to perform such duties under
the provisions of Bipartite Settlement. Furthermore, all kinds of security documents
need to be signed by borrower/ guarantor in presence of bank’s officer and obtained
by him/her. Further, the security documents so obtained are necessarily to be
checked by an officer working in credit department and to affix rubber stamp with
notation “Verified & Checked” under his/her full signature. No entry in security
register is to be made by a clerk, if documents are unfilled/partially filled and not
checked by bank’s authorized officer/s;
18. Members are advised to ensure that he/she is working on his/her stipulated work
class in terms of matrix of transactions (Ref. No. Head Office Branch Circular No.
105/130 dated 08-11-2011). If work class assigned is higher, please ask forcorrection immediately. If correction in assignment of work class is not
done despite having been pointed out, please give a letter to the branch
head against acknowledgement pointing out failure to correct the assignmentand coercive circumstances for performing duties on higher work class;
19. Members are advised not to use LADISB menu which allows disbursement of loan/advances up-to 1 lakh without authentication by an officer. Members are furtheradvised not to use CGSTMAN which allows CSOLOP without verification of
transactions;
20. Members excepting those working as Special Assistants in the bank are not to actas one of the custodians of Safe Deposit Vault locker (SDV). In other words, onlySpecial Assistant in our cadre is authorised to allow access to lessee to operate the
127
lockers. It may importantly be noted that Subordinate Staffs are NOT authorised
either to hold custodian’s key or to allow access to lessee to open the locker;
21. Members are advised not to act as joint custodian of Cash Deposit Kiosks/Bulk
Note Accepter Machine during working hours, as the issue of keeping keys is yet
to be resolved bilaterally. Cash collected through CDK (Cash Deposit Kiosk), BNAM
(Bulk Note Accepter Machine) is required to be examined, verified and counted in
presence of an officer and accounted for in bank’s book on the strength of a voucher
duly signed by the officer concerned. No short cut methods to be adopted. For work
done beyond prescribed hours of work, if any, members are to claim overtime
wages;
22. In terms of RBI guidelines, SWO-A or SWO-B or HC-II is liable for arithmetical
accuracy of currency notes while receiving cash over the counter. It is further
prescribed in the guidelines that the bank is to create back office infrastructure for
verification of currency notes so received for quality check. In no case, quality of
currency note is to be compromised.Always follow the laid down procedure for
detection of counterfiet Notes as given in this Diary.
23. Members are advised not to make cash payment against withdrawal slip over the
counter without physical presence of the drawer or his duly authorised representative.
Further, members are advised not to make cash payment against a bearer chequewithout obtaining signature of the taker of cash on the back thereof. Further that, nocash payment is to be made to third party (Bank’s official can take payment only on
excepeble written order) against an especially designed KCC voucher/s or
withdrawal slips. The identity of taker of payment must be ascertained and verifiedbefore tendering cash.
24. Members are advised not to keep cash door open/unlocked while working at the
counter or when leaving the counter or in any circumstance. Further, cash is not tobe kept on the desktop allowing access to strangers. Cash must be kept in draweror box under lock and key to prevent theft;
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25. Members are advised not to keep vouchers / cheques / other instruments/ filled-in
Paying-in-Slips on the desktop when leaving the desk for any reason whatsoever.
All instruments/voucher are to be kept under lock and key before leaving the desk,
even for minutes, to prevent theft;
26. Members are advised to affix crossing stamp immediately after receipt of a cheque
for collection or transfer of fund. Members are advised not to entertain any request
either from drawer or third party or bank’s official to enter a crossed cheque (with
Account Payee and or Not Negotiable with Account Payee) in any account other
than that of payee. No third party cheque is to be collected in saving bank account.
27. Members are advised not to credit the proceeds of the cheque drawn by a limited
company (Private and public both) in any account other than that of payee or allow
cash payment of a cheque to anyone other than the payee. Further, if payee is an
employee or promoter or director of a company, caution needs to be exercised
before allowing transaction in their personal accounts. In such case, specific
instruction in writing from branch head is to be obtained. The instruction must contain
full signature of the branch head;
28. No instruction like “Please accept/pay” is to be entertained. The instruction must not
be vague. It has to be specific to convey what exactly instruction means. Forinstance, the instruction to be as “Please Pay Cash beyond business hours”/
“Please Receive Cash beyond business hours”.
29. Any cheque with material alteration is not to be accepted and processed.
30. Any indent for cheque book/ATM Card must be supported by a request in
writing by the account holder and such request must be authenticated bybank’s authorised official permitting issuance of cheque book. Any changein the status of account from “dormant to active is to be done on written
authorisation of officer.
31. No clerk is to issue receipt (either system generated or manual) in token of havingreceived cash over the counter without physical cash having been received at
129
the counter. It is reported that to bring KCC accounts in order, such improper/fake/
accommodation transaction is entered into the account and subsequently cash is
adjusted by showing payment in a KCC account. It is a rollover of account and not
a proper banking procedure.
32. Workman employee is to exercise caution before posting messages, picture on
social media to ensure that it does not contravene legally maintainable Social Media
Policy put in place by the bank as given in details in this Info Diary .
33. Pass Book, Cheque Book, ATM Card / Pin and all other security items should not
be delivered to customers by clerical staff. Exercise sufficient precaution and
alertness about authenticity thereto while uploading bulk entries / datas in the system.
34. Members belonging to Subordinate Cadre are advised not to handle or keep
custody of SDV lockers key, Sensitive security documents, PIN Mailers/ ATM /
Debit or Credit cards /Branch Keys ( Branch Keys are to be retained by Head
Peon if asked to do so during working hours only) and work on computers on
other’s passwords or on other’s biometric authentication.
35. Safai-Karamacharis are advised not to open and clean the Branch Premises in
absence of an officer. If a Safai -Karamchari is asked to collect keys of main gate/
door of the branch from any officer’s residence, he/ she is entitled to claimreimbursement of reasonably and fairly incurred travel expenses.
36. Arm Guards should strictly follow all the security norms laid down by the Bank.Guard
at branch should stay behind cash cabin from where entrance of the branch &entire premises can be viewed throughly.lifting of cash Box, writing pay-in slip/withdrawal slip for cutomer etc should be avoided.
NB: VIOLATION OF BANK’S RULES & PROISIONS OF BIPARTITE
SETTLEMENT WILL ATTRACT DISCIPLINARY ACTION UNDER
GROSS MISCONDUCT WHICH MAY RESULT IN COMPULSORY
RETIREMENT FROM SERVICE.ALWAYS FOLLOW RULES/
PROVISIONS/ SERVICE CONDITIONS.
130
HRMS NAVIGATIONAll the Menues are avilable in Self Service in
Main Menu of HRMS .
Leave Application Time Reporting> Report Time> Absence Request
Leave History Time Reporting> Report Time> Absence RequestGo to Bottom of the page> View Leave HistoryGive Date Ranges and Click on Generate Leaves
Cancellation of Leave Go to Leave HistoryClick on cancel Check Box.On the right side of the respective leave & writecomments then click on Submit Cancellationbutton on right side.
Vehicle Set Up Reimbursement Claim > Vehicle Details.
Quarterly Claims Reimbursement Claim > Reimbursement Claim
Medical & Uniform Reimbursement Claim > Medical and Uniform
Festival Advance Apply Festival Advance(1Month Before Festival)
LFC /PL Encashment Step-I.Time Reporting > Report Time >Absence Request > (Encashment) Leave Type-No Leave- Leave Name- LTC encahment-InAbsence Reason select LFC / LTC.Step-II.SelfService>LFC Claim > LFC Encashment> AddNew Value.
IT Advice View My Pay Slip > Generate Pay Slip Click on‘Yes’. Press run Report and refresh till success.Self Service > Form 16 Download > search
Holiday Home Self Service > Holiday Home >Book HH
Main Menu Learning management Internet > e-learning.
Travel Module Main Menu > Self Service > Travel ClaimAdvance Claim > Add New Value
131
BASIC FINACLE MENUS
ACM - ACCOUNT MAINTENANCE
CUMM - CUSTOMER MASTER MAINTENANCE
OAAC - OPENING AN ACCOUNT
KNCUSTID - CUSTOMER IDENTITY INQUIRY
CCA - CHANGE/ MERGER OF CUSTOMER ID OF AN ACCOUNT
CACC - CLOSER OF ACCOUNT CHARGE COLLECTION
CAAC - CLOSING AN ACCOUNT
KYCDET - KYC COMPLIANCE
ACLI - ACCOUNT LEDGER INQUIRY
ACCBAL/HACCBAL - HACS - ACCOUNT SELECTION AND LIST
HCUACC - ACCOUNTS FROM CUSTOMER ID
UIDMAP - ADHAAR LINKAGE FOR GAS SUBSIDY
ACXFRSOL - TRANSFER OF ACCOUNT BETWEEN BRANCHES
NEWPBP/PBP - PASSBOOK PRINT
DRP/NEWDRP - FIXED DEPOSIT RECIEPT PRINT
TDEXT - TERM DEPOSIT EXTENTION
TDREN - TERM DEPOSIT RENEWAL
INTTM - INTEREST TABLE MAINTENANCE
SIM - STANDING INSTRUCTION MAINTENANCE
SII - STANDING INSTRUCTION INQUIRY
DEPMOD - DEPOSIT MODELLING
CREQ - CHQ BOOK REQUEST
CHBM - CHQ BOOK MAINTENANCE
INQACHQ - INQUIRE ACCOUNT NUMBER FOR A CHQ
SPP - STOP PAYMENT OF A CHQ
TM - TRANSACTION MAINTENANCE
FTI - FINACLE TRANSACTION INQUIRY
CTI - CALENDER, HOLIDAY TABLE INQUIRY
BRTI - BRANCH TABLE INQUIRY
VCHR - PRINT DR/CR VOUCHER OF A TRANSACTION
TMDEX - DEPOSIT OF CASH (AFTER DEMONITISATION)
IMC - INVENTORY MOVEMENT BETWEEN LOCATION
ISI - INVENTORY INQUIRY
MISRPT - MISCELLANEOUS REPORTS PRINT
132
INTCERT - INTEREST CERTIFICATE PRINT
SICL - PRINT STANDING INSTRUCTION COVERING LETTER
PR - PRINTING REPORTS
SCWRPTA - PRINT CASH REPORT
CASHTR - TRANSFER OF CASH FROM ONE BRANCH TO OTHER
DDCALC - DD ISSUE CHARGE CALCULATION
PSCALC - PAYSLIP ISSUE CHARGE CALCULATION
CDDMI - DD ENTRY
CDDMP - DD PAYMENT
DDPALL - PRINT ALL UNPRINTED DDs
DDC - CANCELLATION OF DD
GMM - GUARANTEE MASTER MAINTENANCE
GP - GUARANTEE PRINTING
BM - BILL MAINTENANCE
OCTM - OUTWARD CLEARING TRANSACTION MAINTENANCE
OIQ - OUTWARD CLEARING INSTRUMENT INQUIRY
IOCLS - INQUIRY ON CLEARING TRANSACTION SET
JETCL - CLEARING ENTRY TO OTHER CITY
STCON - INTERNET BANKING REQUEST
IBSTATUS - INTERNET BANKING STATUS
ADCREQ - ATM/DEBIT CARD REQUEST
ATMCRA - ATM CARD RELATED ACTIVITY
CARDSTAT - ATM CARD INQUIRY FOR ACCOUNT
ATMREV - ATM CHARGE BACK CLAIM
POSREV - POS CHARGE BACK CLAIM
FORM60 - FORM NO. 60 ENTRY
15G - FORM 15G/15H ENTRY
HRTGS - RTGS/NEFT ENTRY
LDIMG - LOADING SCANNED IMAGES
RTHQRY - DAILY GOLD RATE
GBM - GOVT. BUSINESS MODULE / PPF ACCOUNT MAINTENANCE
HORD - GOVT TAX DEPOSIT
GBMPEN - GOVT. BUSINESS ( PENSION )
ALM - ACCOUNT LIEN MAINTENANCE
LAMOD - LOAN MODELLING
ACLHM - ACCOUNT LIMIT HISTORY MAINTENANCE
SRM - SECURITY REGISTER MAINTENANCE
PSP - ACCOUNT STATEMENT PRINT
133
IMPORTANT CIRCULARSSTAFF MATTERS
01. B.C.109/143 Dt. 29.09.2015 Payment of Medical Aid10th B.P.S.
02. B.C.109/137 Dt. 22.09.2015 Payment of Bonus 2014-15.
03. B.C.109/120 Dt. 28.08.2015 10th BPS. Public Holidays on 2nd /
4th Saturday of month
04. B.C.109/117 Dated 21.08.2015 10th B.P.S. Clarification of Stgnation
Increment from IBA.
05. B.C.109/111 Dated 11.08.2015 Encashment of LTC /LFC.
06. B.C.109/093 Dated 14.07.2015 Reimb of Petrol Exps. to Award Staff
07B.C.109/48 Dated 21.05.2015 Non Repayable Fm P.F.
08. B.C.108/193 Dated 15.01.2015 Staff Housing Loan
09. B.C.108/198 Dated 27.01.2015 Staff Vehicle Loan
10. B.C.108/183 Dated 03.01.2015 Reimb.of Health Check up Exp.
to Award Staff
11. B.C.108/181 Dated 05.01.2015 Benefits Available to Retirees
12. B.C.108/132 Dated 29.09.2014 Boi Scheme for Compassionate
Appointment
13. B.C.108/64 Dated 28.06.2014 Payment of Conveyance
Allowance to Blind & Handicapped
Employees
14. B.C.107/215 Dated 25.02.2014 Death Relief Scheme
15. B.C.107/138 Dated 1s.10.2013 New Pension Scheme(NPS) Others
16. HO:BC.100/188 Dt. 12/01/2016 10th BPS - Stagnation Increments to
Clerical Staff - IBA Clarification.
17. HO:BC.109/212 Dt. 12.02.2016 Conveyance (Vehicle) Loan to
Officers & Award Staff - Revision in
Scheme
18. HO:BC.109/215 Dt. 18.02.2016 New Medical Insurance Scheme
for Existing Staff - Reti red
Compulsorily as a Major Penalty/
Punishment
19. HO:BC.109/222 Dt. 04.03.2016 Staff Clean OD to Staff Members -
Modifications in Documentation
20. HO:BC.110/131 Dt. 15.10.2016 Dedicated Email Id for the Staff.
134
21. HO:BC.110/142 Dt. 21.10.2016 Including Retired Staff- CertificationEmployees Working in Ad Brs. /Foreign Exchange Deptts.
22. HO:BC.110/83 Dt. 01.08.2016 Rev ision in Limi ts Halting /Conveyance/ Lodging/ Rental-Officers& Award Staff as per Census 2011.
23.HO:BC.110/122 Dt. 06.10.2016 Safai Karmachari - Provision of HandGloves/Apron/Mask -Revision ofMonetary Ceiling on Cost.
24.HO:BC.110/164 Dt. 01.12.2016 Encashment of PL To Officers /Award Staff - Retired Compulsorilyasa Major Penalty/Punishment.
25.HO:BC.111/055 Dt.12.07.2017 Direct Credit of Staff PF/ GRATUITY/PENSION & Lifting of LIEN markedon Amount Credited.
26.HO:BC. 111/066 Dt.29.07.2017 BOI Retired Employees MedicalAssitance Scheme (REMAS)Revision in MEMB Fees andReimbursed Claim Amount.
27.HO:BC.111/086 Dt.01.09,2017 Provision for avilment of LFC byRetired and Staff within period ofTWO Months from Superannuation.
28.HO:BC. 111/126 Dt. 17.11.2017 Modification on BOI StaffHO:BC. 111/134 Dt.29.11.2017Benevolent Scheme & Clarification.
29.HO:BC: 112/003 Dt.07.04.2018 Payment of Gratuity Amendmentto Payment of Gratuity Act 1972.
30.HO:BC:112/042 Dt.26.06.2018 Payment of Gratuity as perPayment of Gratuity Act, 1972 /Bank of India Gratuity Fund RulesExemption from Income Tax .
31.HO:BC:112/084 Dt.17.09.2018 Scheme for extending PersonalOverdraft facility to Staff Members.
32.HO:BC:112/114 Dt.09.11.2018 Scheme for extending financialassistance to the staff memberswho have suffered loss on accountof natural calamities such as heavyrains, flood, earthquake and droughtEnhancement in financial assistance
135
OTHERS:
01. B.C.109/001 Dated 01.04.2015 Star Home Loan02. B.C.109/004 Dated 01.04.2015 Star Loan Against Property03. B.C.109/006 Dated 01.04.2015 Star Vehicle Loan04. B.C.109/007 Dated 01.04.2015 Star Education Loan05. B.C.109/008 Dated 01.04.2015 Star Vidya Loan06. B.C.109/009 Dated 01.04.2015 Star Vocationali Studies Loan07. B.C.109/010 Dated 01.04.2015 Star Personal Loan08. B.C.109/011 Dated 01.04.2015 Star Pensioner Loan09. B.C.109/012 Dated 01.04.2015 Star Holiday Loan10. B.C.109/013 Dated 01.04.2015 Star Mitra Personal Loan Updated
Circular11. B.C.109/015 Dated 01.04.2015 Star Doctor Plus Loan12. B.C.109/159 Dated 23.10.2015 E Learning Initiatives of our Bank13. B.C.109/157 Dated 19.10.2015 Revision In Service Charges14. B.C.109/140 Dated 23.09.2015 ATM -Guide Lines on Procedures /
Responsibilities15. B.C.109/134 Dated 14.09.2015 General Delegation of Powers16. B.C.109/132 Dated 08.09.2015 Revision of Penal Charges-
Minimum Balance in SB A/C17. B.C.109/063 Dated 24.06.2015 Pradhanmantri Mudra Yojana18. B.C.109/054 Dated 01.06.2015 Atal Pension Yojana19. B.C.109/051 Dated 25.05.2015 Capital Gain A/C20. B.C.109/040 Dated 11.05.2015 Sukanyasamrudhi A/C21. B.C.109/064 Dated 21.06.2015 Credit Cards22. B.C.108/133 Dated 29.09.2014 Instant Money Transfer (IMT)23. B.C.108/121 Dated 19.09.2014 Mobile Banking -National Unified
Ussd Platform24. B.C.107/186 Dated 11.01.2014 EMV Cards With Chip Technology25. B.C.107/149 Dated 29.10.2013 CTS -201026. B.C.107/103 Dated 10.09.2013 BoI Star -BTM27. B.C.107/104 Dated 15.03.2011 Viewing Of Annual Tax Statement
(Form 26 AS)28. B.C.104/116 Dated 05.01.2011 Tdr Online29. B.C.107/023 Dated 04.05.2013 PPF -S.I.Online30. B.C.106/190 Dated 23.02.2013 PPF Online Deposit Subscription31. B.C.107/198 Dated 03.02.2014 Settlement of Claims of Deceased
Depositors
136
32. B.C.108/140 Dated 13.11.2014 Additional ROI on Deposits - SeniorCitizens / Ex-Staff
33. C.l.2015-16/104 Dt. 08/09/2015 Detection of Counterfeit Notes34. C.l.2015-16/071 Dt. 24.07.2015 Introduction BoI Personalised
Cheque Book35. C.l.2015-16/062 Dt. 10.07.2015 Deduction of Tax at Source36.HO B.C.110/1 Dt.01.04.2016 BoIStar Home LN Master Cir- Part II37.HO B.C.110/1 Dt.01.04.2016 BoI Star Home LN Master Cir Part I38.HO B.C.110/2 Dt.01.C 04.2016 BoI Star Diamond Home LN39.HO B.C.110/3 Dt.01.C 04.2016 BoI Star Pravasi Home LN for NRI Pios40.HO B.C.110/4 Dt.01.C 04.2016 BoI Star Loan Against Property Lap41.HO B.C.110/5 Dt.01.04.2016 BoI Star Lap Faq's42.HO B.C.110/6 Dt.01.04.2016 BoI Star Vehicle Loan43.HO:BC.110/7 Dt.01.04.2016 BOI Star Educational Loan44.HO:BC.110/8 Dt.01.04.2016 BOI Star Vidya LN Premium Institutes45.HO:BC.110/9 Dt.01.04.2016 BOI Star Pradhan Mantri Kaushal
Rin Yojana46.HO:BC.110/10 Dt.01.04.2016 BOI Star Personal Loan47.HO:BC.110/11 Dt.01.04.2016 BOI Star Pensioner Loan48.HO:BC.110/12 Dt.01.04.2016 BOI Star Holiday Loan49.HO:BC.110/13 Dt.01.04.2016 BOI Star Mitra Personal Loan for
Physically Challenged50.HO:BC.110/14 Dt.01.04.2016 Financing Central/State Govt
Employees51.HO:BC.110/15 Dt.01.04.2016 BOI Star Doctor Plus Scheme52.HO:BC.110/16 Dt.01.04.2016 BOI Star Smart Home Loan53.HO:BC.110/17 Dt.01.04.2016 BOI Star Top Up Loan54.HO:BC.110/18 Dt.04.04.2016 Progressive Use Of Hindi in Bank55.HO:BC.110/19 Dt.01.04.2016 New MCLR ROI Advances w.e.f
01.04.201656.HO:BC.110/19 Dt.01.04.2016 MCLR ROI wef 1.04.2016 Annex D57.HO:BC.110/19 Dt.01.04.2016 MCLR ROI wef 1.04.2016 Annex E58.HO:BC.110/21 Dt.01.04.2016 Credit Guarantee Fund Scheme
(CGFSEL) For Star Vidya & StarEducation Loan
59.HO:BC.110/23 Dt.12.04.2016 Policy for Closure/Merger/Relocation of Loss Making NonVaible Branches
137
60.HO:BC.110/24 Dt.12.04.2016 Star Vehicle LN DiscretioneryPowers/Delegation of Sanction
61.HO:BC.110/30 Dt.22.04.2016 Gems and Jewellery Policy 201662.HO:BC.110/32 Dt.29.04.2016 Star Home LN Financing Bare
House / Flat63.HO:BC.110/35 Dt.06.05.2016 BoI Star Energy Saver for MSME64.HO:BC.110/40 Dt.07.05.2016 KYC Periodical Updation with New
Form65.HO:BC.110/45 Dt.18.05.2016 Revival of Star Sanjeevani Scheme66.HO:BC.110/47 Dt.23.05.2016 Pradhan Mantri Awas Yojana
(PMAY)(Urban) Application Form &Security Document
67.HO:BC.110/48 Dt.24.05.2016 Customer Profile Sheet CPSRevision in Format
68.HO:BC.110/49 Dt.19.05.2016 Credit Monitoring Policy Revised2016 (Total Three Parts/Cirs)
69.HO:BC.110/51 Dt.27.05.2016 Stand Up India Scheme70.HO:BC.110/52 Dt.27.05.2016 Savings Bank AC in The Name of
Ineligible Entities Closure /Convertion to CD A/C
71.HO:BC.110/58 Dt.21.06.2016 Bancassurance-tie up with StarHealth & Allied Insurance Co.Ltd.
72.HO:BC.110/60 Dt.02.07.2016 Banks Model Policy on ChequeCollection
73.HO:BC.110/66 Dt.08.07.2016 Staff Accountability Policy Review74.HO:BC.110/72 Dt.13.07.2016 Master Cir Scheme Financing
Against Gold / Gold Jewellery /Gold Coins
75.HO:BC.110/76 Dt.21.07.2016 Retail Advances - Bulk Credit InLoan Account
76.HO:BC.110/77 Dt.25.07.2016 Bank's Policy on Lending to MSMESector- Review & Revision There Of
77.HO:BC.110/80 Dt.25.07.2016 Policy For Red Flagging of Advances78.HO:BC 110/82 Dt.30.07.2016 Retail Advances - Modification in
HomeLN/Delegation Personal Loan79.HO:BC.110/85 Dt.06.08.2016 Debit Cards -handling of Debit
Cards / Pin Mailers at Branches
138
80.HO:BC.110/88 Dt.30.07.2016 Launch of General InsuranceProducts - Rel iance GeneralIns.co.ltd.
81.HO:BC.110/89 Dt.09.08.2016 PMMY-Pradhan Mantri Mudra Yojana-Revised/Updated Guide Lines
82.HO:BC.110/94 Dt.24.08.2016 Go Green Initiative By Bank - E-Statement To Customers On Email
83.HO:BC.110/96 Dt.29.08.2016 Detection and Reporting of CounterfeitNotes
84.HO:BC.110/100 Dt.06.09.2016 Online Screening of Cust.Id AgainstBanned Entities/Pep List
85.HO:BC.110/101 Dt.14.09.2016 Product Ownership / ProductChampions & Monitoring Committee
86.HO:BC.110/106 Dtd.16.09.2016 Credit Monitoring Policy 2016 -Review Of Staff OD / Loan A/Cs-Credit Inspection
87.HO:BC.110/107 Dtd.21.09.2016 Master Cir - Lead Bank Scheme88.HO:BC.110/114 Dtd.26.09.2016 Facil i ty of Mobile Banking
Registration through ATMs89.HO:BC.110/115 Dtd.23.09.2016 BoI Star Rewardz Royalty Programme
For Credit Cards90.HO:BC.110/120 Dtd.29.09.2016 Revision in Base Rate wef 30.09.201691.HO:BC.110/130 Dtd.07.10.2016 Forensic Audit Policy92.HO:BC.110/135 Dtd.17.10.2016 Precautions to be taken for dealing
with Bulk Deposits93.HO:BC.110146 Dtd.07.11.2016 Star Educational Loan Scheme -
Routing Applications ThroughVidyalaxmi Portal
94.HO:BC.110/149 Dtd.08.11.2016 MOU with Lic95.HO:BC.110/150 Dtd.09.11.2016 BoI Star Doctor's Plus - Revised
Scheme96.HO:BC.110/151 Dtd.16.11.2016 Work Manual for Construction of
Banks own Building,etc.)97.HO:BC.110/161 Dtd.28.11.2016 TEVS - Techno Economic Viability
Study Policy98.HO:BC.110/162 Dtd.15.11.2016 Revision in Service Charges wef.
15.12.2016
139
99.HO:BC.110/165 Dtd.30.11.2016 Star Weaver Mudra Scheme100.HO:BC.110/167 Dtd.02.12.2016 CPA Modification - Introduction of
CPA-3 - Post DisbursementVerification
101.HO:BC.110/171 Dtd.08.12.2016 Offering of Rupay EMV PlatinumDebit Cards Based on AQB toCustomers
102.HO:BC.110/172 Dtd.08.12.2016 Activation Of Dormant A/Cs - AML/KYC- Record Maintenance
103.HO:BC.110/173 Dt.08.12.2016 Modification in Eligibility Criteria &Approval Process for POS Terminals
104.HO:BC.109/146 Dt.03.10.2015 Provision of Mandatory Leave toEmployees Posted in SensitivePositions or Areas of Operations
105.HO:BC.109/159 Dt. 23.10.2015 E-learning Initiatives of our Bank106.HO:BC.109/170 Dt. 24.11.2015 Staff Accountability Report (SAR)107.HO:BC.109/189 Dt. 18.01.2016 Project Starshakti - Finacle Update
- XVI108.HO:BC.109/200 Dt. 28.01.2016 Staff Accountabil i ty Report
(SAR)109.HO:BC.110/39 Dt.11.05.2016 Encashment of PL -Officers / Award Staff - RetiredCompulsorily as a Major Penal ty/Punishment.
110.HO:BC.110/44 Dt. 19.05.2016 Staff Hsg LN Scheme - Modifications-Reduction of Gap (Years)/Addl StaffHSG LN / Benefit to Ex-Serviceman
111.HO:BC.110/54 Dt. 31.05.2016 Non Repayable Withdrawal From PF(NRWPF) for Purchase of 2nd House/Flat.
112.HO:BC.110/66 Dt. 08.07.2016 Staff Accountability Report - CreditOperational Matters 113.HO:BC.110/104 Dt. 14.09.2016 StaffAccountability Policy - Constitutionof SAR Committee at Zones.
114.HO:BC.110/117 Dt. 01.10.2016 Staff Suggestion Scheme - StarParamarsh.
140
115.HO: BC: 121 Dt.12.01.2018 Withdrawal of HOBC No.111/145dated20.12.2017 on Intersol Activitiesand Charges.
116.HO:BC:19/22 Dt.11.10.2018 Customer request for effectingtransfer of funds including forRTGS/ NEFT/ IMPS - ObtainingBeneficiary on the reverse ofCheque/Debit authority instrument.
117.HO:BC:19/24 Dt.11.10.2018 Request for Updation/Change ofMobileNumber in the CustomerMaster (CUMM) of account.
118.HO:BC:111/173 Dt.29.01.2018 Introduction of “Green PIN” forDebit Cards through ATM.
119.HO:BC:111/187 Dt.17.03.2018 Provision of First Aid Kit at Branch& Office Premises.
120.HO:BC:112/009 Dt.10.04.2018 Bank’s Social Media Policy & 112/029 Dt.02.06.2018 Guidelines/Compliance & Usage of SocialMedia.
121.HO:BC:112/021 Dt.03.05.2018 Star Home Loan Scheme-MasterPart I & II Circular.
122.HO:BC:112/041 Dt.25.06.2018 Policy on Model Operational Part I& II Procedure for Settlement ofClaims in Deceased DepositorsAccount’s. Changes propose.
123.HO:BC:112/106 Dt.20.10.2018 Detection, Impounding andReporting of Counterfeit Notes.
124.HO:BC:112/108 Dt.30.10.2018 (NEFT) Grievance RedressalMechanism for ErroneousTrnsactions.